Home > Citizens Bank > Performance and Condition Ratios
Citizens Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0217% | 3,932 |
| Cost of funding earning assets | 0.7781% | 3,791 |
| Net interest margin | 3.2436% | 2,764 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.4716% | 2,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6096% | 3,418 |
| Return on assets (ROA) | 0.6096% | 3,404 |
| Pretax return on assets | 0.7857% | 3,244 |
| Return on Equity (ROE) | 9.6500% | 2,593 |
| Retained earnings to average equity (ytd only) | 6.4213% | 2,086 |
| Net charge-offs to loans | -0.0069% | 3,916 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.8572% | 1,256 |
| Assets per employee ($millions) | 5.4824% | 3,269 |
| Cash dividends to net income (ytd only)* | 33.4409% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 1,462 |
| Loan loss allowance to noncurrent loans | 1,099.2157% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 3,257 |
| Noncurrent loans to loans | 0.1255% | 2,890 |
| Net loans and leases to total assets | 39.3000% | 4,062 |
| Net loans and leases to deposits | 53.2659% | 3,826 |
| Net loans and leases to core deposits | 53.4551% | 3,991 |
| Total domestic deposits to total assets | 73.7900% | 4,118 |
| Equity capital to assets | 6.9875% | 3,943 |
| Core capital (leverage) ratio | 10.5426% | 2,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9671% | 610 |
| Memoranda: | ||
| Average total assets | $1,016,876,200 | 972 |
| Average earning assets | $935,856,800 | 968 |
| Average equity | $64,254,600 | 1,327 |
| Average total loans | $393,187,000 | 1,490 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 3,984 |
| Cost of funding earning assets | 0.6646% | 3,840 |
| Net interest margin | 3.2478% | 2,808 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.4669% | 2,327 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6125% | 3,510 |
| Return on assets (ROA) | 0.6125% | 3,504 |
| Pretax return on assets | 0.7929% | 3,349 |
| Return on Equity (ROE) | 9.9600% | 2,647 |
| Retained earnings to average equity (ytd only) | 9.9574% | 1,419 |
| Net charge-offs to loans | -0.0150% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.6184% | 1,209 |
| Assets per employee ($millions) | 5.5983% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 1,463 |
| Loan loss allowance to noncurrent loans | 139,875.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 3,892 |
| Noncurrent loans to loans | 0.0010% | 3,827 |
| Net loans and leases to total assets | 38.1500% | 4,123 |
| Net loans and leases to deposits | 50.7127% | 3,909 |
| Net loans and leases to core deposits | 50.8870% | 4,014 |
| Total domestic deposits to total assets | 75.2200% | 4,078 |
| Equity capital to assets | 5.6705% | 4,092 |
| Core capital (leverage) ratio | 10.4798% | 2,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6996% | 639 |
| Memoranda: | ||
| Average total assets | $1,016,163,750 | 972 |
| Average earning assets | $934,437,750 | 966 |
| Average equity | $62,505,000 | 1,346 |
| Average total loans | $389,881,750 | 1,498 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7516% | 4,079 |
| Cost of funding earning assets | 0.4569% | 4,071 |
| Net interest margin | 3.2947% | 2,762 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.4731% | 2,282 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.5951% | 3,579 |
| Return on assets (ROA) | 0.5951% | 3,588 |
| Pretax return on assets | 0.7672% | 3,471 |
| Return on Equity (ROE) | 9.4200% | 2,857 |
| Retained earnings to average equity (ytd only) | 9.4222% | 1,569 |
| Net charge-offs to loans | -0.0243% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.7202% | 1,281 |
| Assets per employee ($millions) | 5.6352% | 3,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 1,281 |
| Loan loss allowance to noncurrent loans | 3,254.4444% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 3,657 |
| Noncurrent loans to loans | 0.0452% | 3,394 |
| Net loans and leases to total assets | 38.0900% | 4,110 |
| Net loans and leases to deposits | 50.8686% | 3,886 |
| Net loans and leases to core deposits | 51.0450% | 3,985 |
| Total domestic deposits to total assets | 74.8700% | 4,132 |
| Equity capital to assets | 6.2903% | 4,067 |
| Core capital (leverage) ratio | 10.8601% | 2,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8604% | 648 |
| Memoranda: | ||
| Average total assets | $1,009,659,000 | 967 |
| Average earning assets | $928,873,000 | 962 |
| Average equity | $63,764,000 | 1,326 |
| Average total loans | $386,278,667 | 1,493 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6408% | 4,114 |
| Cost of funding earning assets | 0.1133% | 4,517 |
| Net interest margin | 3.5274% | 2,293 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.4952% | 2,259 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.7132% | 3,436 |
| Return on assets (ROA) | 0.7132% | 3,390 |
| Pretax return on assets | 0.9299% | 3,169 |
| Return on Equity (ROE) | 11.2700% | 2,418 |
| Retained earnings to average equity (ytd only) | 11.2701% | 1,409 |
| Net charge-offs to loans | -0.0137% | 3,963 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.9762% | 1,643 |
| Assets per employee ($millions) | 5.1507% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 1,396 |
| Loan loss allowance to noncurrent loans | 2,994.6237% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 3,609 |
| Noncurrent loans to loans | 0.0488% | 3,391 |
| Net loans and leases to total assets | 39.8900% | 4,046 |
| Net loans and leases to deposits | 46.8944% | 4,001 |
| Net loans and leases to core deposits | 47.0509% | 4,073 |
| Total domestic deposits to total assets | 85.0600% | 2,844 |
| Equity capital to assets | 7.1981% | 3,732 |
| Core capital (leverage) ratio | 10.8949% | 1,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3024% | 629 |
| Memoranda: | ||
| Average total assets | $998,864,500 | 993 |
| Average earning assets | $917,832,000 | 990 |
| Average equity | $63,211,500 | 1,343 |
| Average total loans | $380,108,000 | 1,523 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0067% | 4,125 |
| Cost of funding earning assets | 0.0463% | 4,582 |
| Net interest margin | 2.9604% | 3,545 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.1341% | 3,205 |
| Loan and lease loss provision to assets | -0.2400% | 4,645 |
| Net operating income to assets | 0.8536% | 3,137 |
| Return on assets (ROA) | 0.8536% | 3,074 |
| Pretax return on assets | 1.1385% | 2,647 |
| Return on Equity (ROE) | 12.9900% | 1,820 |
| Retained earnings to average equity (ytd only) | 9.4101% | 1,351 |
| Net charge-offs to loans | -0.0363% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.3254% | 1,641 |
| Assets per employee ($millions) | 6.0294% | 2,739 |
| Cash dividends to net income (ytd only)* | 27.5530% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 1,240 |
| Loan loss allowance to noncurrent loans | 2,916.5803% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 3,663 |
| Noncurrent loans to loans | 0.0510% | 3,394 |
| Net loans and leases to total assets | 35.3600% | 4,247 |
| Net loans and leases to deposits | 39.0320% | 4,270 |
| Net loans and leases to core deposits | 39.1535% | 4,298 |
| Total domestic deposits to total assets | 90.5800% | 1,120 |
| Equity capital to assets | 5.5513% | 4,229 |
| Core capital (leverage) ratio | 9.6761% | 2,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6235% | 661 |
| Memoranda: | ||
| Average total assets | $1,071,515,000 | 923 |
| Average earning assets | $995,814,200 | 911 |
| Average equity | $70,413,400 | 1,243 |
| Average total loans | $363,916,200 | 1,501 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7949% | 4,201 |
| Cost of funding earning assets | 0.0456% | 4,594 |
| Net interest margin | 2.7492% | 3,836 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.0852% | 3,247 |
| Loan and lease loss provision to assets | -0.3200% | 4,711 |
| Net operating income to assets | 0.7987% | 3,272 |
| Return on assets (ROA) | 0.7987% | 3,224 |
| Pretax return on assets | 1.0663% | 2,825 |
| Return on Equity (ROE) | 11.7100% | 2,132 |
| Retained earnings to average equity (ytd only) | 11.7079% | 863 |
| Net charge-offs to loans | -0.0440% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.5420% | 1,329 |
| Assets per employee ($millions) | 6.3472% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 1,219 |
| Loan loss allowance to noncurrent loans | 2,661.6114% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 3,082 |
| Noncurrent loans to loans | 0.0575% | 3,470 |
| Net loans and leases to total assets | 32.8900% | 4,340 |
| Net loans and leases to deposits | 36.2311% | 4,357 |
| Net loans and leases to core deposits | 36.3398% | 4,394 |
| Total domestic deposits to total assets | 90.7800% | 1,324 |
| Equity capital to assets | 5.1523% | 4,251 |
| Core capital (leverage) ratio | 9.5552% | 3,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3358% | 699 |
| Memoranda: | ||
| Average total assets | $1,075,605,500 | 926 |
| Average earning assets | $1,001,815,500 | 914 |
| Average equity | $73,373,000 | 1,218 |
| Average total loans | $360,223,500 | 1,508 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6680% | 4,187 |
| Cost of funding earning assets | 0.0451% | 4,621 |
| Net interest margin | 2.6229% | 3,865 |
| Noninterest income to average assets | 0.2754% | 3,515 |
| Noninterest expense to average assets | 2.0874% | 3,188 |
| Loan and lease loss provision to assets | -0.0843% | 4,576 |
| Net operating income to assets | 0.5466% | 3,775 |
| Return on assets (ROA) | 0.5466% | 3,728 |
| Pretax return on assets | 0.7226% | 3,523 |
| Return on Equity (ROE) | 7.3925% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.3925% | 1,856 |
| Net charge-offs to loans | -0.0553% | 4,276 |
| Credit loss provision to net charge-offs | 454.5455% | 659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5817% | 1,212 |
| Assets per employee ($millions) | 6.1640% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1091% | 443 |
| Loan loss allowance to noncurrent loans | 2,573.9130% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 3,043 |
| Noncurrent loans to loans | 0.0819% | 3,370 |
| Net loans and leases to total assets | 33.6913% | 4,346 |
| Net loans and leases to deposits | 37.6566% | 4,350 |
| Net loans and leases to core deposits | 37.7752% | 4,389 |
| Total domestic deposits to total assets | 89.4699% | 1,961 |
| Equity capital to assets | 5.9915% | 4,202 |
| Core capital (leverage) ratio | 9.5006% | 2,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5827% | 650 |
| Memoranda: | ||
| Average total assets | $1,068,118,667 | 924 |
| Average earning assets | $997,844,000 | 918 |
| Average equity | $78,972,000 | 1,174 |
| Average total loans | $358,034,000 | 1,508 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5709% | 4,176 |
| Cost of funding earning assets | 0.0442% | 4,637 |
| Net interest margin | 2.5267% | 3,842 |
| Noninterest income to average assets | 0.2645% | 3,537 |
| Noninterest expense to average assets | 2.0801% | 3,220 |
| Loan and lease loss provision to assets | -0.1679% | 4,666 |
| Net operating income to assets | 0.5440% | 3,583 |
| Return on assets (ROA) | 0.5440% | 3,551 |
| Pretax return on assets | 0.7190% | 3,338 |
| Return on Equity (ROE) | 6.7269% | 3,118 |
| Retained earnings to average equity (ytd only) | 6.7269% | 1,983 |
| Net charge-offs to loans | -0.0147% | 3,753 |
| Credit loss provision to net charge-offs | 3,461.5385% | 126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0556% | 1,226 |
| Assets per employee ($millions) | 6.3721% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1865% | 448 |
| Loan loss allowance to noncurrent loans | 394.5049% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 2,160 |
| Noncurrent loans to loans | 0.5542% | 1,654 |
| Net loans and leases to total assets | 31.6127% | 4,398 |
| Net loans and leases to deposits | 36.0524% | 4,382 |
| Net loans and leases to core deposits | 36.1548% | 4,421 |
| Total domestic deposits to total assets | 87.6854% | 2,671 |
| Equity capital to assets | 7.2383% | 4,080 |
| Core capital (leverage) ratio | 9.3951% | 2,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2467% | 619 |
| Memoranda: | ||
| Average total assets | $1,072,071,500 | 922 |
| Average earning assets | $1,004,169,000 | 915 |
| Average equity | $86,696,500 | 1,120 |
| Average total loans | $354,603,000 | 1,509 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8051% | 4,201 |
| Cost of funding earning assets | 0.0475% | 4,697 |
| Net interest margin | 2.7576% | 3,762 |
| Noninterest income to average assets | 0.2972% | 3,623 |
| Noninterest expense to average assets | 1.9854% | 3,723 |
| Loan and lease loss provision to assets | -0.4320% | 4,812 |
| Net operating income to assets | 0.9955% | 2,693 |
| Return on assets (ROA) | 0.9955% | 2,760 |
| Pretax return on assets | 1.3171% | 2,308 |
| Return on Equity (ROE) | 10.5777% | 2,316 |
| Retained earnings to average equity (ytd only) | 7.2292% | 1,833 |
| Net charge-offs to loans | -0.0148% | 3,872 |
| Credit loss provision to net charge-offs | 7,627.1186% | 95 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1647% | 1,839 |
| Assets per employee ($millions) | 6.2050% | 2,568 |
| Cash dividends to net income (ytd only)* | 31.6556% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2281% | 432 |
| Loan loss allowance to noncurrent loans | 743.0286% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 2,747 |
| Noncurrent loans to loans | 0.2999% | 2,522 |
| Net loans and leases to total assets | 33.0863% | 4,406 |
| Net loans and leases to deposits | 38.5290% | 4,380 |
| Net loans and leases to core deposits | 38.6419% | 4,435 |
| Total domestic deposits to total assets | 85.8738% | 2,954 |
| Equity capital to assets | 8.9430% | 3,688 |
| Core capital (leverage) ratio | 9.0757% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6998% | 686 |
| Memoranda: | ||
| Average total assets | $1,041,767,200 | 933 |
| Average earning assets | $972,154,800 | 926 |
| Average equity | $98,046,200 | 1,027 |
| Average total loans | $397,336,200 | 1,384 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8735% | 4,208 |
| Cost of funding earning assets | 0.0477% | 4,781 |
| Net interest margin | 2.8258% | 3,717 |
| Noninterest income to average assets | 0.3098% | 3,575 |
| Noninterest expense to average assets | 1.9517% | 3,808 |
| Loan and lease loss provision to assets | -0.5795% | 4,893 |
| Net operating income to assets | 1.1789% | 2,232 |
| Return on assets (ROA) | 1.1789% | 2,293 |
| Pretax return on assets | 1.5681% | 1,797 |
| Return on Equity (ROE) | 12.3676% | 1,909 |
| Retained earnings to average equity (ytd only) | 12.3676% | 755 |
| Net charge-offs to loans | -0.0148% | 3,843 |
| Credit loss provision to net charge-offs | 10,000.0000% | 75 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3776% | 2,049 |
| Assets per employee ($millions) | 6.2360% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1938% | 456 |
| Loan loss allowance to noncurrent loans | 538.0442% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 2,750 |
| Noncurrent loans to loans | 0.4077% | 2,337 |
| Net loans and leases to total assets | 33.1958% | 4,503 |
| Net loans and leases to deposits | 38.7126% | 4,495 |
| Net loans and leases to core deposits | 38.8255% | 4,547 |
| Total domestic deposits to total assets | 85.7493% | 2,845 |
| Equity capital to assets | 9.4477% | 3,426 |
| Core capital (leverage) ratio | 9.2729% | 3,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5905% | 735 |
| Memoranda: | ||
| Average total assets | $1,035,392,750 | 947 |
| Average earning assets | $963,814,750 | 945 |
| Average equity | $98,696,500 | 1,039 |
| Average total loans | $406,378,750 | 1,385 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9415% | 4,156 |
| Cost of funding earning assets | 0.0479% | 4,832 |
| Net interest margin | 2.8936% | 3,590 |
| Noninterest income to average assets | 0.3132% | 3,552 |
| Noninterest expense to average assets | 1.9385% | 3,865 |
| Loan and lease loss provision to assets | -0.6857% | 4,934 |
| Net operating income to assets | 1.3157% | 1,817 |
| Return on assets (ROA) | 1.3157% | 1,885 |
| Pretax return on assets | 1.7592% | 1,331 |
| Return on Equity (ROE) | 13.7594% | 1,491 |
| Retained earnings to average equity (ytd only) | 13.7594% | 586 |
| Net charge-offs to loans | -0.0162% | 3,895 |
| Credit loss provision to net charge-offs | 10,294.1176% | 56 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3577% | 2,380 |
| Assets per employee ($millions) | 6.0194% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2847% | 374 |
| Loan loss allowance to noncurrent loans | 625.2252% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 2,904 |
| Noncurrent loans to loans | 0.3654% | 2,597 |
| Net loans and leases to total assets | 36.6306% | 4,440 |
| Net loans and leases to deposits | 43.1652% | 4,417 |
| Net loans and leases to core deposits | 43.2954% | 4,486 |
| Total domestic deposits to total assets | 84.8614% | 3,157 |
| Equity capital to assets | 9.4896% | 3,336 |
| Core capital (leverage) ratio | 9.3621% | 3,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4775% | 650 |
| Memoranda: | ||
| Average total assets | $1,020,912,333 | 951 |
| Average earning assets | $952,176,333 | 942 |
| Average equity | $97,620,333 | 1,040 |
| Average total loans | $419,784,667 | 1,355 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8935% | 4,265 |
| Cost of funding earning assets | 0.0480% | 4,873 |
| Net interest margin | 2.8455% | 3,654 |
| Noninterest income to average assets | 0.3201% | 3,487 |
| Noninterest expense to average assets | 1.8661% | 4,067 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8524% | 3,264 |
| Return on assets (ROA) | 0.8524% | 3,345 |
| Pretax return on assets | 1.1196% | 3,065 |
| Return on Equity (ROE) | 8.8794% | 3,073 |
| Retained earnings to average equity (ytd only) | 8.8794% | 1,986 |
| Net charge-offs to loans | -0.0185% | 3,959 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5017% | 2,672 |
| Assets per employee ($millions) | 5.7625% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9578% | 154 |
| Loan loss allowance to noncurrent loans | 298.5203% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 1,948 |
| Noncurrent loans to loans | 0.9908% | 1,358 |
| Net loans and leases to total assets | 40.0087% | 4,342 |
| Net loans and leases to deposits | 46.9914% | 4,305 |
| Net loans and leases to core deposits | 47.1364% | 4,401 |
| Total domestic deposits to total assets | 85.1405% | 3,048 |
| Equity capital to assets | 9.3656% | 3,314 |
| Core capital (leverage) ratio | 9.3112% | 3,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8492% | 692 |
| Memoranda: | ||
| Average total assets | $1,004,668,000 | 951 |
| Average earning assets | $941,151,500 | 945 |
| Average equity | $96,448,500 | 1,038 |
| Average total loans | $432,232,500 | 1,324 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3256% | 4,293 |
| Cost of funding earning assets | 0.0643% | 4,925 |
| Net interest margin | 3.2613% | 3,182 |
| Noninterest income to average assets | 0.3357% | 3,451 |
| Noninterest expense to average assets | 2.0342% | 4,077 |
| Loan and lease loss provision to assets | 0.7620% | 177 |
| Net operating income to assets | 0.4627% | 4,113 |
| Return on assets (ROA) | 0.4627% | 4,195 |
| Pretax return on assets | 0.5817% | 4,116 |
| Return on Equity (ROE) | 4.3745% | 4,068 |
| Retained earnings to average equity (ytd only) | 2.0586% | 3,804 |
| Net charge-offs to loans | -0.0203% | 4,434 |
| Credit loss provision to net charge-offs | -7,622.2222% | 4,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2190% | 3,425 |
| Assets per employee ($millions) | 5.6856% | 2,641 |
| Cash dividends to net income (ytd only)* | 52.9412% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8281% | 174 |
| Loan loss allowance to noncurrent loans | 326.5690% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 2,163 |
| Noncurrent loans to loans | 0.8660% | 1,632 |
| Net loans and leases to total assets | 43.6239% | 4,269 |
| Net loans and leases to deposits | 51.4867% | 4,244 |
| Net loans and leases to core deposits | 51.6532% | 4,361 |
| Total domestic deposits to total assets | 84.7285% | 2,864 |
| Equity capital to assets | 9.8445% | 3,270 |
| Core capital (leverage) ratio | 9.1174% | 3,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5840% | 825 |
| Memoranda: | ||
| Average total assets | $900,222,400 | 966 |
| Average earning assets | $839,758,600 | 963 |
| Average equity | $95,210,000 | 1,005 |
| Average total loans | $443,526,600 | 1,243 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3752% | 4,380 |
| Cost of funding earning assets | 0.0696% | 4,967 |
| Net interest margin | 3.3056% | 3,167 |
| Noninterest income to average assets | 0.3372% | 3,458 |
| Noninterest expense to average assets | 2.0282% | 4,092 |
| Loan and lease loss provision to assets | 1.0098% | 136 |
| Net operating income to assets | 0.3122% | 4,427 |
| Return on assets (ROA) | 0.3122% | 4,476 |
| Pretax return on assets | 0.3792% | 4,455 |
| Return on Equity (ROE) | 2.8957% | 4,408 |
| Retained earnings to average equity (ytd only) | 2.8113% | 3,601 |
| Net charge-offs to loans | -0.0207% | 4,434 |
| Credit loss provision to net charge-offs | -9,652.1739% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3531% | 3,478 |
| Assets per employee ($millions) | 5.7274% | 2,520 |
| Cash dividends to net income (ytd only)* | 2.9140% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5829% | 208 |
| Loan loss allowance to noncurrent loans | 372.2914% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 2,519 |
| Noncurrent loans to loans | 0.6938% | 2,056 |
| Net loans and leases to total assets | 46.9646% | 4,270 |
| Net loans and leases to deposits | 55.2116% | 4,291 |
| Net loans and leases to core deposits | 55.4057% | 4,400 |
| Total domestic deposits to total assets | 85.0630% | 2,409 |
| Equity capital to assets | 9.9044% | 3,323 |
| Core capital (leverage) ratio | 9.4221% | 3,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9943% | 680 |
| Memoranda: | ||
| Average total assets | $879,376,250 | 972 |
| Average earning assets | $819,358,250 | 972 |
| Average equity | $94,804,750 | 995 |
| Average total loans | $444,014,250 | 1,232 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6275% | 4,219 |
| Cost of funding earning assets | 0.0719% | 5,004 |
| Net interest margin | 3.5557% | 2,620 |
| Noninterest income to average assets | 0.3308% | 3,492 |
| Noninterest expense to average assets | 1.9644% | 4,302 |
| Loan and lease loss provision to assets | 1.5069% | 84 |
| Net operating income to assets | 0.1550% | 4,627 |
| Return on assets (ROA) | 0.1550% | 4,663 |
| Pretax return on assets | 0.1659% | 4,668 |
| Return on Equity (ROE) | 1.3932% | 4,637 |
| Retained earnings to average equity (ytd only) | 1.2654% | 4,020 |
| Net charge-offs to loans | -0.0240% | 4,467 |
| Credit loss provision to net charge-offs | -12,230.7692% | 4,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0095% | 4,178 |
| Assets per employee ($millions) | 5.5456% | 2,596 |
| Cash dividends to net income (ytd only)* | 9.1743% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4708% | 233 |
| Loan loss allowance to noncurrent loans | 282.9742% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 2,241 |
| Noncurrent loans to loans | 0.8732% | 1,747 |
| Net loans and leases to total assets | 50.0334% | 4,163 |
| Net loans and leases to deposits | 59.0631% | 4,163 |
| Net loans and leases to core deposits | 59.3707% | 4,294 |
| Total domestic deposits to total assets | 84.7117% | 2,501 |
| Equity capital to assets | 10.1973% | 3,025 |
| Core capital (leverage) ratio | 10.3757% | 2,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0390% | 668 |
| Memoranda: | ||
| Average total assets | $844,128,000 | 990 |
| Average earning assets | $784,938,333 | 985 |
| Average equity | $93,883,000 | 998 |
| Average total loans | $433,710,667 | 1,246 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0063% | 3,768 |
| Cost of funding earning assets | 0.0749% | 5,061 |
| Net interest margin | 3.9313% | 1,574 |
| Noninterest income to average assets | 0.3573% | 3,382 |
| Noninterest expense to average assets | 2.3975% | 3,543 |
| Loan and lease loss provision to assets | 1.5324% | 98 |
| Net operating income to assets | 0.0866% | 4,666 |
| Return on assets (ROA) | 0.0866% | 4,660 |
| Pretax return on assets | 0.0715% | 4,684 |
| Return on Equity (ROE) | 0.7417% | 4,661 |
| Retained earnings to average equity (ytd only) | 0.4830% | 3,885 |
| Net charge-offs to loans | -0.0020% | 3,650 |
| Credit loss provision to net charge-offs | -152,250.0000% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9170% | 3,748 |
| Assets per employee ($millions) | 4.8160% | 2,859 |
| Cash dividends to net income (ytd only)* | 34.8837% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1338% | 410 |
| Loan loss allowance to noncurrent loans | 584.8093% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 3,326 |
| Noncurrent loans to loans | 0.3649% | 3,189 |
| Net loans and leases to total assets | 49.2522% | 4,276 |
| Net loans and leases to deposits | 59.3774% | 4,222 |
| Net loans and leases to core deposits | 59.7267% | 4,368 |
| Total domestic deposits to total assets | 82.9477% | 3,131 |
| Equity capital to assets | 11.9131% | 2,133 |
| Core capital (leverage) ratio | 11.3826% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7633% | 891 |
| Memoranda: | ||
| Average total assets | $794,816,500 | 1,012 |
| Average earning assets | $736,744,500 | 1,002 |
| Average equity | $92,757,000 | 1,003 |
| Average total loans | $408,746,000 | 1,275 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2575% | 3,655 |
| Cost of funding earning assets | 0.0763% | 5,128 |
| Net interest margin | 4.1812% | 1,355 |
| Noninterest income to average assets | 0.3756% | 3,451 |
| Noninterest expense to average assets | 2.3697% | 3,774 |
| Loan and lease loss provision to assets | 0.0798% | 2,398 |
| Net operating income to assets | 1.3492% | 1,507 |
| Return on assets (ROA) | 1.3492% | 1,586 |
| Pretax return on assets | 1.7945% | 952 |
| Return on Equity (ROE) | 12.1845% | 1,445 |
| Retained earnings to average equity (ytd only) | 7.9827% | 983 |
| Net charge-offs to loans | -0.0068% | 4,384 |
| Credit loss provision to net charge-offs | -2,232.1429% | 4,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8363% | 4,226 |
| Assets per employee ($millions) | 4.8777% | 2,734 |
| Cash dividends to net income (ytd only)* | 34.4847% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 1,776 |
| Loan loss allowance to noncurrent loans | 359.1440% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 3,260 |
| Noncurrent loans to loans | 0.3714% | 3,112 |
| Net loans and leases to total assets | 51.8389% | 4,239 |
| Net loans and leases to deposits | 61.9363% | 4,193 |
| Net loans and leases to core deposits | 62.3031% | 4,347 |
| Total domestic deposits to total assets | 83.6971% | 2,954 |
| Equity capital to assets | 11.4245% | 2,596 |
| Core capital (leverage) ratio | 11.0854% | 2,419 |
| Tier 1 risk-based capital ratio | 17.6792% | 1,844 |
| Total risk-based capital ratio | 18.8358% | 1,822 |
| Memoranda: | ||
| Average total assets | $783,224,800 | 991 |
| Average earning assets | $724,627,800 | 985 |
| Average equity | $86,725,200 | 1,016 |
| Average total loans | $413,572,600 | 1,234 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2636% | 3,769 |
| Cost of funding earning assets | 0.0760% | 5,204 |
| Net interest margin | 4.1877% | 1,402 |
| Noninterest income to average assets | 0.3747% | 3,471 |
| Noninterest expense to average assets | 2.3428% | 3,838 |
| Loan and lease loss provision to assets | 0.0810% | 2,288 |
| Net operating income to assets | 1.3748% | 1,550 |
| Return on assets (ROA) | 1.3748% | 1,625 |
| Pretax return on assets | 1.8247% | 1,019 |
| Return on Equity (ROE) | 12.5163% | 1,435 |
| Retained earnings to average equity (ytd only) | 12.3610% | 345 |
| Net charge-offs to loans | -0.0284% | 4,684 |
| Credit loss provision to net charge-offs | -539.7727% | 4,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1442% | 4,264 |
| Assets per employee ($millions) | 5.0330% | 2,519 |
| Cash dividends to net income (ytd only)* | 1.2410% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 1,879 |
| Loan loss allowance to noncurrent loans | 7,075.3247% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 4,178 |
| Noncurrent loans to loans | 0.0187% | 4,590 |
| Net loans and leases to total assets | 50.5180% | 4,398 |
| Net loans and leases to deposits | 60.2233% | 4,374 |
| Net loans and leases to core deposits | 60.5731% | 4,514 |
| Total domestic deposits to total assets | 83.8845% | 2,863 |
| Equity capital to assets | 11.3869% | 2,749 |
| Core capital (leverage) ratio | 11.4342% | 2,277 |
| Tier 1 risk-based capital ratio | 17.3111% | 1,995 |
| Total risk-based capital ratio | 18.4101% | 1,990 |
| Memoranda: | ||
| Average total assets | $781,486,000 | 993 |
| Average earning assets | $722,932,750 | 989 |
| Average equity | $85,838,000 | 1,018 |
| Average total loans | $413,176,000 | 1,242 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 3,805 |
| Cost of funding earning assets | 0.0753% | 5,251 |
| Net interest margin | 4.1719% | 1,428 |
| Noninterest income to average assets | 0.3666% | 3,484 |
| Noninterest expense to average assets | 2.3804% | 3,788 |
| Loan and lease loss provision to assets | 0.0646% | 2,523 |
| Net operating income to assets | 1.3475% | 1,586 |
| Return on assets (ROA) | 1.3475% | 1,652 |
| Pretax return on assets | 1.7894% | 1,063 |
| Return on Equity (ROE) | 12.4265% | 1,441 |
| Retained earnings to average equity (ytd only) | 12.1881% | 387 |
| Net charge-offs to loans | -0.0547% | 4,849 |
| Credit loss provision to net charge-offs | -221.2389% | 4,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2157% | 4,222 |
| Assets per employee ($millions) | 4.8096% | 2,730 |
| Cash dividends to net income (ytd only)* | 1.9186% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 4,234 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 53.0537% | 4,286 |
| Net loans and leases to deposits | 63.6684% | 4,244 |
| Net loans and leases to core deposits | 64.0979% | 4,409 |
| Total domestic deposits to total assets | 83.3281% | 3,100 |
| Equity capital to assets | 11.4564% | 2,636 |
| Core capital (leverage) ratio | 11.1508% | 2,454 |
| Tier 1 risk-based capital ratio | 17.4853% | 1,945 |
| Total risk-based capital ratio | 18.5912% | 1,942 |
| Memoranda: | ||
| Average total assets | $773,553,000 | 1,000 |
| Average earning assets | $717,180,670 | 998 |
| Average equity | $83,885,000 | 1,038 |
| Average total loans | $413,480,670 | 1,247 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1927% | 3,894 |
| Cost of funding earning assets | 0.0747% | 5,312 |
| Net interest margin | 4.1180% | 1,503 |
| Noninterest income to average assets | 0.3632% | 3,425 |
| Noninterest expense to average assets | 2.4295% | 3,684 |
| Loan and lease loss provision to assets | 0.0517% | 2,621 |
| Net operating income to assets | 1.2846% | 1,760 |
| Return on assets (ROA) | 1.2846% | 1,801 |
| Pretax return on assets | 1.7016% | 1,203 |
| Return on Equity (ROE) | 12.1908% | 1,468 |
| Retained earnings to average equity (ytd only) | 11.6999% | 671 |
| Net charge-offs to loans | -0.0980% | 5,027 |
| Credit loss provision to net charge-offs | -99.0099% | 3,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0829% | 4,065 |
| Assets per employee ($millions) | 4.7227% | 2,885 |
| Cash dividends to net income (ytd only)* | 4.0274% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 4,291 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 52.8725% | 4,282 |
| Net loans and leases to deposits | 62.9166% | 4,248 |
| Net loans and leases to core deposits | 63.2949% | 4,416 |
| Total domestic deposits to total assets | 84.0359% | 3,035 |
| Equity capital to assets | 10.8107% | 3,039 |
| Core capital (leverage) ratio | 10.9648% | 2,604 |
| Tier 1 risk-based capital ratio | 17.0825% | 2,085 |
| Total risk-based capital ratio | 18.1753% | 2,081 |
| Memoranda: | ||
| Average total assets | $773,154,500 | 1,004 |
| Average earning assets | $717,147,500 | 1,000 |
| Average equity | $81,471,000 | 1,057 |
| Average total loans | $412,186,000 | 1,254 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9588% | 4,140 |
| Cost of funding earning assets | 0.0802% | 5,325 |
| Net interest margin | 3.8786% | 2,400 |
| Noninterest income to average assets | 0.4038% | 3,419 |
| Noninterest expense to average assets | 2.2535% | 4,220 |
| Loan and lease loss provision to assets | 0.1165% | 1,890 |
| Net operating income to assets | 1.2193% | 2,088 |
| Return on assets (ROA) | 1.2193% | 2,081 |
| Pretax return on assets | 1.6261% | 1,389 |
| Return on Equity (ROE) | 12.5332% | 1,529 |
| Retained earnings to average equity (ytd only) | 8.5018% | 1,045 |
| Net charge-offs to loans | 0.1421% | 1,335 |
| Credit loss provision to net charge-offs | 156.5217% | 1,773 |
| Earnings coverage of net charge-offs (x) | 23.4209% | 1,852 |
| Efficiency ratio | 56.3935% | 4,358 |
| Assets per employee ($millions) | 4.8237% | 2,709 |
| Cash dividends to net income (ytd only)* | 32.1660% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 4,304 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 52.4614% | 4,385 |
| Net loans and leases to deposits | 62.1750% | 4,368 |
| Net loans and leases to core deposits | 62.5499% | 4,515 |
| Total domestic deposits to total assets | 84.3770% | 2,878 |
| Equity capital to assets | 10.2633% | 3,416 |
| Core capital (leverage) ratio | 10.1641% | 3,395 |
| Tier 1 risk-based capital ratio | 16.4892% | 2,242 |
| Total risk-based capital ratio | 17.5483% | 2,256 |
| Memoranda: | ||
| Average total assets | $772,837,600 | 975 |
| Average earning assets | $715,775,800 | 967 |
| Average equity | $75,184,400 | 1,089 |
| Average total loans | $404,567,000 | 1,249 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8403% | 4,338 |
| Cost of funding earning assets | 0.0801% | 5,391 |
| Net interest margin | 3.7603% | 2,789 |
| Noninterest income to average assets | 0.3991% | 3,488 |
| Noninterest expense to average assets | 2.2327% | 4,250 |
| Loan and lease loss provision to assets | 0.1164% | 1,747 |
| Net operating income to assets | 1.1614% | 2,404 |
| Return on assets (ROA) | 1.1614% | 2,408 |
| Pretax return on assets | 1.5330% | 1,795 |
| Return on Equity (ROE) | 12.1040% | 1,756 |
| Retained earnings to average equity (ytd only) | 11.9242% | 486 |
| Net charge-offs to loans | -0.0102% | 4,412 |
| Credit loss provision to net charge-offs | -2,177.4194% | 4,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5122% | 4,185 |
| Assets per employee ($millions) | 4.9854% | 2,484 |
| Cash dividends to net income (ytd only)* | 1.4850% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 2,105 |
| Loan loss allowance to noncurrent loans | 247.6258% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 3,184 |
| Noncurrent loans to loans | 0.5239% | 2,812 |
| Net loans and leases to total assets | 50.8719% | 4,534 |
| Net loans and leases to deposits | 59.6789% | 4,567 |
| Net loans and leases to core deposits | 59.9946% | 4,704 |
| Total domestic deposits to total assets | 85.2428% | 2,513 |
| Equity capital to assets | 9.7784% | 3,840 |
| Core capital (leverage) ratio | 10.3933% | 3,192 |
| Tier 1 risk-based capital ratio | 16.3679% | 2,311 |
| Total risk-based capital ratio | 17.4929% | 2,304 |
| Memoranda: | ||
| Average total assets | $773,099,250 | 973 |
| Average earning assets | $716,101,500 | 968 |
| Average equity | $74,177,750 | 1,102 |
| Average total loans | $403,264,250 | 1,248 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7773% | 4,397 |
| Cost of funding earning assets | 0.0815% | 5,442 |
| Net interest margin | 3.6958% | 2,943 |
| Noninterest income to average assets | 0.3921% | 3,539 |
| Noninterest expense to average assets | 2.2371% | 4,285 |
| Loan and lease loss provision to assets | 0.1172% | 1,689 |
| Net operating income to assets | 1.1109% | 2,541 |
| Return on assets (ROA) | 1.1109% | 2,546 |
| Pretax return on assets | 1.4634% | 1,946 |
| Return on Equity (ROE) | 11.6538% | 1,854 |
| Retained earnings to average equity (ytd only) | 11.3807% | 607 |
| Net charge-offs to loans | -0.0109% | 4,342 |
| Credit loss provision to net charge-offs | -2,045.4545% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5993% | 4,138 |
| Assets per employee ($millions) | 4.8178% | 2,657 |
| Cash dividends to net income (ytd only)* | 2.3436% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 2,414 |
| Loan loss allowance to noncurrent loans | 223.7884% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4036% | 3,121 |
| Noncurrent loans to loans | 0.5601% | 2,739 |
| Net loans and leases to total assets | 52.0840% | 4,474 |
| Net loans and leases to deposits | 61.0892% | 4,472 |
| Net loans and leases to core deposits | 61.4234% | 4,635 |
| Total domestic deposits to total assets | 85.2590% | 2,577 |
| Equity capital to assets | 9.8429% | 3,777 |
| Core capital (leverage) ratio | 10.1788% | 3,385 |
| Tier 1 risk-based capital ratio | 16.5714% | 2,239 |
| Total risk-based capital ratio | 17.6863% | 2,221 |
| Memoranda: | ||
| Average total assets | $768,236,330 | 983 |
| Average earning assets | $712,048,000 | 975 |
| Average equity | $73,229,330 | 1,112 |
| Average total loans | $402,359,330 | 1,250 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7114% | 4,445 |
| Cost of funding earning assets | 0.0828% | 5,497 |
| Net interest margin | 3.6286% | 3,075 |
| Noninterest income to average assets | 0.3794% | 3,590 |
| Noninterest expense to average assets | 2.2583% | 4,270 |
| Loan and lease loss provision to assets | 0.1166% | 1,623 |
| Net operating income to assets | 1.0439% | 2,675 |
| Return on assets (ROA) | 1.0439% | 2,693 |
| Pretax return on assets | 1.3678% | 2,114 |
| Return on Equity (ROE) | 11.1300% | 1,912 |
| Retained earnings to average equity (ytd only) | 10.5774% | 999 |
| Net charge-offs to loans | 0.0030% | 2,630 |
| Credit loss provision to net charge-offs | 7,500.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 954.6667% | 62 |
| Efficiency ratio | 60.3379% | 4,022 |
| Assets per employee ($millions) | 4.8250% | 2,706 |
| Cash dividends to net income (ytd only)* | 4.9652% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1926% | 2,852 |
| Loan loss allowance to noncurrent loans | 180.4906% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.4499% | 3,046 |
| Noncurrent loans to loans | 0.6608% | 2,569 |
| Net loans and leases to total assets | 51.3306% | 4,480 |
| Net loans and leases to deposits | 60.1967% | 4,456 |
| Net loans and leases to core deposits | 60.5213% | 4,627 |
| Total domestic deposits to total assets | 85.2715% | 2,829 |
| Equity capital to assets | 9.4375% | 4,145 |
| Core capital (leverage) ratio | 9.8312% | 3,727 |
| Tier 1 risk-based capital ratio | 16.0109% | 2,467 |
| Total risk-based capital ratio | 17.0674% | 2,495 |
| Memoranda: | ||
| Average total assets | $771,746,500 | 985 |
| Average earning assets | $715,308,000 | 983 |
| Average equity | $72,381,000 | 1,133 |
| Average total loans | $402,786,500 | 1,252 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6805% | 4,381 |
| Cost of funding earning assets | 0.0824% | 5,543 |
| Net interest margin | 3.5981% | 3,172 |
| Noninterest income to average assets | 0.4290% | 3,446 |
| Noninterest expense to average assets | 2.2244% | 4,481 |
| Loan and lease loss provision to assets | 0.1610% | 1,393 |
| Net operating income to assets | 0.7352% | 3,449 |
| Return on assets (ROA) | 0.7352% | 3,491 |
| Pretax return on assets | 1.3660% | 2,106 |
| Return on Equity (ROE) | 7.6759% | 2,966 |
| Retained earnings to average equity (ytd only) | 4.5279% | 2,435 |
| Net charge-offs to loans | 0.1074% | 1,998 |
| Credit loss provision to net charge-offs | 285.0356% | 987 |
| Earnings coverage of net charge-offs (x) | 27.0309% | 1,650 |
| Efficiency ratio | 59.2946% | 4,372 |
| Assets per employee ($millions) | 4.9454% | 2,546 |
| Cash dividends to net income (ytd only)* | 41.0111% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 3,200 |
| Loan loss allowance to noncurrent loans | 151.8815% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.4959% | 2,898 |
| Noncurrent loans to loans | 0.7424% | 2,352 |
| Net loans and leases to total assets | 51.8419% | 4,524 |
| Net loans and leases to deposits | 60.9007% | 4,506 |
| Net loans and leases to core deposits | 61.3393% | 4,690 |
| Total domestic deposits to total assets | 85.1252% | 2,792 |
| Equity capital to assets | 9.3202% | 4,408 |
| Core capital (leverage) ratio | 9.4280% | 4,126 |
| Tier 1 risk-based capital ratio | 15.2093% | 2,744 |
| Total risk-based capital ratio | 16.2039% | 2,798 |
| Memoranda: | ||
| Average total assets | $745,250,800 | 991 |
| Average earning assets | $688,132,800 | 985 |
| Average equity | $71,379,600 | 1,116 |
| Average total loans | $392,110,000 | 1,256 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6374% | 4,469 |
| Cost of funding earning assets | 0.0817% | 5,614 |
| Net interest margin | 3.5557% | 3,303 |
| Noninterest income to average assets | 0.4314% | 3,465 |
| Noninterest expense to average assets | 2.2392% | 4,449 |
| Loan and lease loss provision to assets | 0.1624% | 1,257 |
| Net operating income to assets | 0.8514% | 3,268 |
| Return on assets (ROA) | 0.8514% | 3,317 |
| Pretax return on assets | 1.3120% | 2,429 |
| Return on Equity (ROE) | 8.8271% | 2,714 |
| Retained earnings to average equity (ytd only) | 8.6400% | 967 |
| Net charge-offs to loans | 0.1532% | 1,324 |
| Credit loss provision to net charge-offs | 201.3423% | 1,336 |
| Earnings coverage of net charge-offs (x) | 18.2750% | 2,059 |
| Efficiency ratio | 60.2965% | 4,164 |
| Assets per employee ($millions) | 4.9915% | 2,458 |
| Cash dividends to net income (ytd only)* | 2.1200% | 3,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 3,812 |
| Loan loss allowance to noncurrent loans | 137.0550% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.5271% | 2,950 |
| Noncurrent loans to loans | 0.7631% | 2,450 |
| Net loans and leases to total assets | 51.7914% | 4,583 |
| Net loans and leases to deposits | 60.6515% | 4,601 |
| Net loans and leases to core deposits | 61.1418% | 4,762 |
| Total domestic deposits to total assets | 85.3918% | 2,560 |
| Equity capital to assets | 9.5620% | 4,387 |
| Core capital (leverage) ratio | 10.0109% | 3,548 |
| Tier 1 risk-based capital ratio | 15.8044% | 2,584 |
| Total risk-based capital ratio | 16.7580% | 2,656 |
| Memoranda: | ||
| Average total assets | $738,691,500 | 1,000 |
| Average earning assets | $681,901,250 | 995 |
| Average equity | $71,248,500 | 1,122 |
| Average total loans | $389,008,750 | 1,269 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6114% | 4,484 |
| Cost of funding earning assets | 0.0821% | 5,649 |
| Net interest margin | 3.5294% | 3,299 |
| Noninterest income to average assets | 0.4322% | 3,475 |
| Noninterest expense to average assets | 2.2830% | 4,392 |
| Loan and lease loss provision to assets | 0.1651% | 1,205 |
| Net operating income to assets | 0.8068% | 3,366 |
| Return on assets (ROA) | 0.8068% | 3,420 |
| Pretax return on assets | 1.2484% | 2,589 |
| Return on Equity (ROE) | 8.3397% | 2,853 |
| Retained earnings to average equity (ytd only) | 8.0554% | 1,139 |
| Net charge-offs to loans | 0.2330% | 876 |
| Credit loss provision to net charge-offs | 134.2282% | 1,641 |
| Earnings coverage of net charge-offs (x) | 11.4944% | 2,273 |
| Efficiency ratio | 61.7623% | 4,036 |
| Assets per employee ($millions) | 4.7375% | 2,737 |
| Cash dividends to net income (ytd only)* | 3.4095% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 4,126 |
| Loan loss allowance to noncurrent loans | 507.7419% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 4,174 |
| Noncurrent loans to loans | 0.1976% | 4,329 |
| Net loans and leases to total assets | 53.2135% | 4,470 |
| Net loans and leases to deposits | 63.4928% | 4,403 |
| Net loans and leases to core deposits | 64.0801% | 4,600 |
| Total domestic deposits to total assets | 83.8103% | 3,279 |
| Equity capital to assets | 9.9021% | 4,031 |
| Core capital (leverage) ratio | 9.9575% | 3,590 |
| Tier 1 risk-based capital ratio | 15.7962% | 2,585 |
| Total risk-based capital ratio | 16.7076% | 2,659 |
| Memoranda: | ||
| Average total assets | $727,027,330 | 1,021 |
| Average earning assets | $672,418,000 | 1,011 |
| Average equity | $70,338,000 | 1,136 |
| Average total loans | $383,699,330 | 1,290 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5533% | 4,538 |
| Cost of funding earning assets | 0.0799% | 5,716 |
| Net interest margin | 3.4734% | 3,379 |
| Noninterest income to average assets | 0.4310% | 3,439 |
| Noninterest expense to average assets | 2.3126% | 4,372 |
| Loan and lease loss provision to assets | 0.1653% | 1,084 |
| Net operating income to assets | 0.7496% | 3,478 |
| Return on assets (ROA) | 0.7496% | 3,529 |
| Pretax return on assets | 1.1646% | 2,723 |
| Return on Equity (ROE) | 7.8403% | 3,001 |
| Retained earnings to average equity (ytd only) | 7.2638% | 1,762 |
| Net charge-offs to loans | 0.4733% | 391 |
| Credit loss provision to net charge-offs | 66.8151% | 1,863 |
| Earnings coverage of net charge-offs (x) | 5.3742% | 2,299 |
| Efficiency ratio | 63.4892% | 3,917 |
| Assets per employee ($millions) | 4.7289% | 2,797 |
| Cash dividends to net income (ytd only)* | 7.3529% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 4,484 |
| Loan loss allowance to noncurrent loans | 218.4606% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3640% | 3,742 |
| Noncurrent loans to loans | 0.4403% | 3,513 |
| Net loans and leases to total assets | 51.3629% | 4,564 |
| Net loans and leases to deposits | 61.5181% | 4,464 |
| Net loans and leases to core deposits | 62.0944% | 4,652 |
| Total domestic deposits to total assets | 83.4925% | 3,661 |
| Equity capital to assets | 9.6604% | 4,111 |
| Core capital (leverage) ratio | 9.9174% | 3,607 |
| Tier 1 risk-based capital ratio | 15.7593% | 2,638 |
| Total risk-based capital ratio | 16.6229% | 2,738 |
| Memoranda: | ||
| Average total assets | $725,753,000 | 1,023 |
| Average earning assets | $671,042,000 | 1,013 |
| Average equity | $69,385,500 | 1,145 |
| Average total loans | $379,465,000 | 1,306 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5861% | 4,547 |
| Cost of funding earning assets | 0.0838% | 5,765 |
| Net interest margin | 3.5023% | 3,421 |
| Noninterest income to average assets | 0.4567% | 3,500 |
| Noninterest expense to average assets | 2.3893% | 4,327 |
| Loan and lease loss provision to assets | 0.1710% | 1,424 |
| Net operating income to assets | 0.7453% | 3,559 |
| Return on assets (ROA) | 0.7453% | 3,674 |
| Pretax return on assets | 1.1546% | 2,877 |
| Return on Equity (ROE) | 7.3495% | 3,295 |
| Retained earnings to average equity (ytd only) | 4.4220% | 2,767 |
| Net charge-offs to loans | 0.2663% | 1,039 |
| Credit loss provision to net charge-offs | 118.6791% | 2,236 |
| Earnings coverage of net charge-offs (x) | 9.1981% | 2,773 |
| Efficiency ratio | 64.3166% | 3,882 |
| Assets per employee ($millions) | 4.7272% | 2,745 |
| Cash dividends to net income (ytd only)* | 39.8324% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 4,385 |
| Loan loss allowance to noncurrent loans | 132.3766% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5490% | 3,092 |
| Noncurrent loans to loans | 0.7494% | 2,656 |
| Net loans and leases to total assets | 52.1896% | 4,590 |
| Net loans and leases to deposits | 62.1696% | 4,529 |
| Net loans and leases to core deposits | 62.7896% | 4,707 |
| Total domestic deposits to total assets | 83.9471% | 3,439 |
| Equity capital to assets | 9.4599% | 4,312 |
| Core capital (leverage) ratio | 9.6165% | 3,944 |
| Tier 1 risk-based capital ratio | 15.5800% | 2,711 |
| Total risk-based capital ratio | 16.4839% | 2,804 |
| Memoranda: | ||
| Average total assets | $672,377,400 | 1,053 |
| Average earning assets | $625,495,200 | 1,042 |
| Average equity | $68,181,600 | 1,147 |
| Average total loans | $363,826,000 | 1,292 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5833% | 4,598 |
| Cost of funding earning assets | 0.0838% | 5,833 |
| Net interest margin | 3.4995% | 3,468 |
| Noninterest income to average assets | 0.4641% | 3,462 |
| Noninterest expense to average assets | 2.4546% | 4,119 |
| Loan and lease loss provision to assets | 0.1516% | 1,542 |
| Net operating income to assets | 0.7206% | 3,740 |
| Return on assets (ROA) | 0.7206% | 3,872 |
| Pretax return on assets | 1.1171% | 3,161 |
| Return on Equity (ROE) | 6.9775% | 3,570 |
| Retained earnings to average equity (ytd only) | 6.7818% | 1,734 |
| Net charge-offs to loans | 0.1906% | 1,228 |
| Credit loss provision to net charge-offs | 145.9144% | 1,802 |
| Earnings coverage of net charge-offs (x) | 12.2120% | 2,410 |
| Efficiency ratio | 65.9248% | 3,604 |
| Assets per employee ($millions) | 4.5963% | 2,933 |
| Cash dividends to net income (ytd only)* | 2.8051% | 3,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 4,256 |
| Loan loss allowance to noncurrent loans | 76.3430% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 0.9418% | 2,208 |
| Noncurrent loans to loans | 1.3479% | 1,635 |
| Net loans and leases to total assets | 52.4758% | 4,618 |
| Net loans and leases to deposits | 62.8816% | 4,568 |
| Net loans and leases to core deposits | 63.5302% | 4,746 |
| Total domestic deposits to total assets | 83.4517% | 3,424 |
| Equity capital to assets | 9.9717% | 4,150 |
| Core capital (leverage) ratio | 10.1123% | 3,429 |
| Tier 1 risk-based capital ratio | 16.0289% | 2,613 |
| Total risk-based capital ratio | 16.9647% | 2,683 |
| Memoranda: | ||
| Average total assets | $659,656,000 | 1,076 |
| Average earning assets | $614,360,500 | 1,061 |
| Average equity | $68,122,000 | 1,156 |
| Average total loans | $359,470,000 | 1,307 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6229% | 4,527 |
| Cost of funding earning assets | 0.0840% | 5,912 |
| Net interest margin | 3.5389% | 3,336 |
| Noninterest income to average assets | 0.4880% | 3,277 |
| Noninterest expense to average assets | 2.5282% | 3,958 |
| Loan and lease loss provision to assets | 0.1395% | 1,627 |
| Net operating income to assets | 0.7183% | 3,706 |
| Return on assets (ROA) | 0.7183% | 3,864 |
| Pretax return on assets | 1.1126% | 3,150 |
| Return on Equity (ROE) | 6.8698% | 3,621 |
| Retained earnings to average equity (ytd only) | 6.5733% | 1,831 |
| Net charge-offs to loans | 0.2901% | 823 |
| Credit loss provision to net charge-offs | 87.3786% | 2,281 |
| Earnings coverage of net charge-offs (x) | 7.8427% | 2,587 |
| Efficiency ratio | 66.8772% | 3,555 |
| Assets per employee ($millions) | 4.3020% | 3,364 |
| Cash dividends to net income (ytd only)* | 4.3159% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 4,639 |
| Loan loss allowance to noncurrent loans | 71.0468% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 0.9988% | 2,144 |
| Noncurrent loans to loans | 1.3733% | 1,627 |
| Net loans and leases to total assets | 54.5218% | 4,459 |
| Net loans and leases to deposits | 65.6697% | 4,373 |
| Net loans and leases to core deposits | 66.4335% | 4,574 |
| Total domestic deposits to total assets | 83.0242% | 3,645 |
| Equity capital to assets | 10.4892% | 3,641 |
| Core capital (leverage) ratio | 10.4313% | 3,042 |
| Tier 1 risk-based capital ratio | 16.6171% | 2,384 |
| Total risk-based capital ratio | 17.5318% | 2,457 |
| Memoranda: | ||
| Average total assets | $645,128,000 | 1,106 |
| Average earning assets | $600,186,000 | 1,088 |
| Average equity | $67,454,330 | 1,166 |
| Average total loans | $355,004,000 | 1,318 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6194% | 4,569 |
| Cost of funding earning assets | 0.0828% | 5,977 |
| Net interest margin | 3.5365% | 3,331 |
| Noninterest income to average assets | 0.4798% | 3,263 |
| Noninterest expense to average assets | 2.5788% | 3,815 |
| Loan and lease loss provision to assets | 0.0940% | 2,121 |
| Net operating income to assets | 0.7097% | 3,664 |
| Return on assets (ROA) | 0.7097% | 3,785 |
| Pretax return on assets | 1.0962% | 3,108 |
| Return on Equity (ROE) | 6.7985% | 3,560 |
| Retained earnings to average equity (ytd only) | 6.1985% | 2,277 |
| Net charge-offs to loans | 0.5864% | 379 |
| Credit loss provision to net charge-offs | 29.1262% | 2,232 |
| Earnings coverage of net charge-offs (x) | 3.6893% | 2,510 |
| Efficiency ratio | 68.4228% | 3,394 |
| Assets per employee ($millions) | 4.2623% | 3,468 |
| Cash dividends to net income (ytd only)* | 8.8261% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9309% | 4,949 |
| Loan loss allowance to noncurrent loans | 71.4822% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 0.9954% | 2,219 |
| Noncurrent loans to loans | 1.3023% | 1,848 |
| Net loans and leases to total assets | 52.8081% | 4,549 |
| Net loans and leases to deposits | 63.8641% | 4,451 |
| Net loans and leases to core deposits | 64.5663% | 4,654 |
| Total domestic deposits to total assets | 82.6883% | 4,011 |
| Equity capital to assets | 10.3706% | 3,657 |
| Core capital (leverage) ratio | 10.6876% | 2,748 |
| Tier 1 risk-based capital ratio | 16.8836% | 2,330 |
| Total risk-based capital ratio | 17.7543% | 2,429 |
| Memoranda: | ||
| Average total assets | $638,590,500 | 1,109 |
| Average earning assets | $593,913,000 | 1,096 |
| Average equity | $66,661,500 | 1,179 |
| Average total loans | $351,306,000 | 1,325 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7032% | 4,358 |
| Cost of funding earning assets | 0.1049% | 5,943 |
| Net interest margin | 3.5983% | 3,143 |
| Noninterest income to average assets | 0.4781% | 3,476 |
| Noninterest expense to average assets | 2.6083% | 3,891 |
| Loan and lease loss provision to assets | 0.2557% | 741 |
| Net operating income to assets | 0.6257% | 4,158 |
| Return on assets (ROA) | 0.6257% | 4,249 |
| Pretax return on assets | 0.9411% | 3,691 |
| Return on Equity (ROE) | 5.7653% | 4,145 |
| Retained earnings to average equity (ytd only) | 3.1443% | 3,814 |
| Net charge-offs to loans | 0.4789% | 562 |
| Credit loss provision to net charge-offs | 92.3815% | 2,713 |
| Earnings coverage of net charge-offs (x) | 4.3233% | 3,574 |
| Efficiency ratio | 68.5476% | 3,472 |
| Assets per employee ($millions) | 4.1122% | 3,734 |
| Cash dividends to net income (ytd only)* | 45.4618% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 4,521 |
| Loan loss allowance to noncurrent loans | 77.8426% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 1.0972% | 2,006 |
| Noncurrent loans to loans | 1.3031% | 1,808 |
| Net loans and leases to total assets | 56.2190% | 4,278 |
| Net loans and leases to deposits | 68.4467% | 4,087 |
| Net loans and leases to core deposits | 69.2371% | 4,355 |
| Total domestic deposits to total assets | 82.1355% | 4,138 |
| Equity capital to assets | 10.5100% | 3,348 |
| Core capital (leverage) ratio | 10.4353% | 3,009 |
| Tier 1 risk-based capital ratio | 16.2252% | 2,597 |
| Total risk-based capital ratio | 17.1717% | 2,663 |
| Memoranda: | ||
| Average total assets | $602,189,600 | 1,128 |
| Average earning assets | $556,795,600 | 1,133 |
| Average equity | $65,356,400 | 1,156 |
| Average total loans | $348,067,800 | 1,294 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7436% | 4,277 |
| Cost of funding earning assets | 0.1114% | 6,013 |
| Net interest margin | 3.6322% | 3,024 |
| Noninterest income to average assets | 0.4918% | 3,425 |
| Noninterest expense to average assets | 2.6204% | 3,801 |
| Loan and lease loss provision to assets | 0.2459% | 703 |
| Net operating income to assets | 0.6464% | 4,151 |
| Return on assets (ROA) | 0.6464% | 4,263 |
| Pretax return on assets | 0.9786% | 3,701 |
| Return on Equity (ROE) | 5.9074% | 4,192 |
| Retained earnings to average equity (ytd only) | 5.9074% | 2,305 |
| Net charge-offs to loans | 0.6271% | 356 |
| Credit loss provision to net charge-offs | 67.5261% | 2,810 |
| Earnings coverage of net charge-offs (x) | 3.3628% | 3,506 |
| Efficiency ratio | 68.1530% | 3,509 |
| Assets per employee ($millions) | 4.0984% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 5,088 |
| Loan loss allowance to noncurrent loans | 59.5828% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 1.0794% | 2,203 |
| Noncurrent loans to loans | 1.5548% | 1,604 |
| Net loans and leases to total assets | 54.9192% | 4,469 |
| Net loans and leases to deposits | 67.0156% | 4,281 |
| Net loans and leases to core deposits | 67.8342% | 4,557 |
| Total domestic deposits to total assets | 81.9499% | 4,180 |
| Equity capital to assets | 10.7434% | 3,314 |
| Core capital (leverage) ratio | 10.8558% | 2,639 |
| Tier 1 risk-based capital ratio | 17.2519% | 2,278 |
| Total risk-based capital ratio | 18.1337% | 2,373 |
| Memoranda: | ||
| Average total assets | $596,474,500 | 1,149 |
| Average earning assets | $550,648,500 | 1,149 |
| Average equity | $65,272,250 | 1,162 |
| Average total loans | $346,335,250 | 1,304 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 4,088 |
| Cost of funding earning assets | 0.1112% | 6,089 |
| Net interest margin | 3.6822% | 2,789 |
| Noninterest income to average assets | 0.5156% | 3,264 |
| Noninterest expense to average assets | 2.6798% | 3,656 |
| Loan and lease loss provision to assets | 0.0851% | 2,415 |
| Net operating income to assets | 0.7464% | 3,656 |
| Return on assets (ROA) | 0.7464% | 3,754 |
| Pretax return on assets | 1.1418% | 3,000 |
| Return on Equity (ROE) | 6.7768% | 3,743 |
| Retained earnings to average equity (ytd only) | 6.7768% | 1,800 |
| Net charge-offs to loans | -0.0069% | 4,825 |
| Credit loss provision to net charge-offs | -2,083.3333% | 5,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5948% | 3,574 |
| Assets per employee ($millions) | 3.9209% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 4,153 |
| Loan loss allowance to noncurrent loans | 193.4077% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 3,908 |
| Noncurrent loans to loans | 0.5872% | 3,696 |
| Net loans and leases to total assets | 58.2805% | 4,068 |
| Net loans and leases to deposits | 71.1412% | 3,808 |
| Net loans and leases to core deposits | 72.0073% | 4,134 |
| Total domestic deposits to total assets | 81.9224% | 4,312 |
| Equity capital to assets | 11.0945% | 2,786 |
| Core capital (leverage) ratio | 11.3336% | 2,131 |
| Tier 1 risk-based capital ratio | 17.0752% | 2,376 |
| Total risk-based capital ratio | 18.1615% | 2,395 |
| Memoranda: | ||
| Average total assets | $587,645,330 | 1,171 |
| Average earning assets | $541,195,000 | 1,170 |
| Average equity | $64,720,670 | 1,185 |
| Average total loans | $346,672,000 | 1,304 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7472% | 4,207 |
| Cost of funding earning assets | 0.1104% | 6,158 |
| Net interest margin | 3.6369% | 2,869 |
| Noninterest income to average assets | 0.4538% | 3,613 |
| Noninterest expense to average assets | 2.7010% | 3,588 |
| Loan and lease loss provision to assets | 0.0686% | 2,572 |
| Net operating income to assets | 0.6643% | 3,983 |
| Return on assets (ROA) | 0.6643% | 4,105 |
| Pretax return on assets | 1.0269% | 3,395 |
| Return on Equity (ROE) | 6.0543% | 4,006 |
| Retained earnings to average equity (ytd only) | 6.0543% | 2,468 |
| Net charge-offs to loans | -0.0070% | 4,592 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1448% | 3,302 |
| Assets per employee ($millions) | 3.8873% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 4,476 |
| Loan loss allowance to noncurrent loans | 153.4214% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 3,489 |
| Noncurrent loans to loans | 0.7217% | 3,456 |
| Net loans and leases to total assets | 58.3412% | 3,895 |
| Net loans and leases to deposits | 71.5044% | 3,590 |
| Net loans and leases to core deposits | 72.3357% | 3,931 |
| Total domestic deposits to total assets | 81.5911% | 4,644 |
| Equity capital to assets | 11.0731% | 2,894 |
| Core capital (leverage) ratio | 11.1879% | 2,238 |
| Tier 1 risk-based capital ratio | 17.4498% | 2,317 |
| Total risk-based capital ratio | 18.5383% | 2,340 |
| Memoranda: | ||
| Average total assets | $583,477,500 | 1,183 |
| Average earning assets | $536,287,000 | 1,189 |
| Average equity | $64,020,500 | 1,193 |
| Average total loans | $344,342,500 | 1,315 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8509% | 4,313 |
| Cost of funding earning assets | 0.1143% | 6,279 |
| Net interest margin | 3.7366% | 2,855 |
| Noninterest income to average assets | 0.5273% | 3,311 |
| Noninterest expense to average assets | 2.7208% | 3,787 |
| Loan and lease loss provision to assets | 0.0631% | 3,254 |
| Net operating income to assets | 0.7706% | 3,515 |
| Return on assets (ROA) | 0.7706% | 3,618 |
| Pretax return on assets | 1.1698% | 2,780 |
| Return on Equity (ROE) | 6.8447% | 3,725 |
| Retained earnings to average equity (ytd only) | 3.4408% | 3,764 |
| Net charge-offs to loans | 0.0027% | 4,911 |
| Credit loss provision to net charge-offs | 3,888.8889% | 78 |
| Earnings coverage of net charge-offs (x) | 759.6667% | 58 |
| Efficiency ratio | 68.8164% | 3,751 |
| Assets per employee ($millions) | 3.8924% | 4,184 |
| Cash dividends to net income (ytd only)* | 49.7309% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 4,593 |
| Loan loss allowance to noncurrent loans | 139.5732% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.8016% | 3,204 |
| Noncurrent loans to loans | 0.7801% | 3,356 |
| Net loans and leases to total assets | 58.3942% | 4,005 |
| Net loans and leases to deposits | 71.0116% | 3,787 |
| Net loans and leases to core deposits | 71.8842% | 4,132 |
| Total domestic deposits to total assets | 82.2319% | 4,333 |
| Equity capital to assets | 10.8702% | 3,041 |
| Core capital (leverage) ratio | 10.9710% | 2,434 |
| Tier 1 risk-based capital ratio | 15.4121% | 3,271 |
| Total risk-based capital ratio | 16.3739% | 3,374 |
| Memoranda: | ||
| Average total assets | $554,535,800 | 1,206 |
| Average earning assets | $508,507,200 | 1,207 |
| Average equity | $62,427,600 | 1,168 |
| Average total loans | $328,539,400 | 1,333 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 4,295 |
| Cost of funding earning assets | 0.1138% | 6,361 |
| Net interest margin | 3.7528% | 2,800 |
| Noninterest income to average assets | 0.5181% | 3,422 |
| Noninterest expense to average assets | 2.7365% | 3,687 |
| Loan and lease loss provision to assets | 0.0730% | 2,883 |
| Net operating income to assets | 0.7564% | 3,638 |
| Return on assets (ROA) | 0.7564% | 3,732 |
| Pretax return on assets | 1.1490% | 2,991 |
| Return on Equity (ROE) | 6.6586% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.4060% | 2,164 |
| Net charge-offs to loans | 0.0053% | 4,509 |
| Credit loss provision to net charge-offs | 2,307.6923% | 160 |
| Earnings coverage of net charge-offs (x) | 386.5263% | 189 |
| Efficiency ratio | 69.1306% | 3,654 |
| Assets per employee ($millions) | 3.8453% | 4,203 |
| Cash dividends to net income (ytd only)* | 3.7942% | 3,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 4,692 |
| Loan loss allowance to noncurrent loans | 125.0936% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.0411% | 2,881 |
| Noncurrent loans to loans | 0.8899% | 3,345 |
| Net loans and leases to total assets | 57.3433% | 4,159 |
| Net loans and leases to deposits | 69.9750% | 3,919 |
| Net loans and leases to core deposits | 70.8384% | 4,257 |
| Total domestic deposits to total assets | 81.9483% | 4,497 |
| Equity capital to assets | 11.2449% | 2,706 |
| Core capital (leverage) ratio | 11.3980% | 2,133 |
| Tier 1 risk-based capital ratio | 16.2901% | 2,906 |
| Total risk-based capital ratio | 17.2733% | 3,001 |
| Memoranda: | ||
| Average total assets | $548,176,750 | 1,227 |
| Average earning assets | $502,546,500 | 1,234 |
| Average equity | $62,273,500 | 1,184 |
| Average total loans | $325,074,750 | 1,351 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8658% | 4,280 |
| Cost of funding earning assets | 0.1131% | 6,438 |
| Net interest margin | 3.7528% | 2,747 |
| Noninterest income to average assets | 0.5255% | 3,302 |
| Noninterest expense to average assets | 2.7923% | 3,537 |
| Loan and lease loss provision to assets | 0.0831% | 2,643 |
| Net operating income to assets | 0.7169% | 3,750 |
| Return on assets (ROA) | 0.7169% | 3,845 |
| Pretax return on assets | 1.0846% | 3,160 |
| Return on Equity (ROE) | 6.2886% | 4,004 |
| Retained earnings to average equity (ytd only) | 5.9061% | 2,376 |
| Net charge-offs to loans | 0.0080% | 4,123 |
| Credit loss provision to net charge-offs | 1,730.7692% | 217 |
| Earnings coverage of net charge-offs (x) | 243.0769% | 276 |
| Efficiency ratio | 70.5114% | 3,574 |
| Assets per employee ($millions) | 3.7292% | 4,395 |
| Cash dividends to net income (ytd only)* | 6.0825% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 4,997 |
| Loan loss allowance to noncurrent loans | 123.4648% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 1.0761% | 2,912 |
| Noncurrent loans to loans | 0.8718% | 3,521 |
| Net loans and leases to total assets | 60.3346% | 3,665 |
| Net loans and leases to deposits | 73.4505% | 3,393 |
| Net loans and leases to core deposits | 74.3885% | 3,797 |
| Total domestic deposits to total assets | 82.1432% | 4,598 |
| Equity capital to assets | 11.4649% | 2,455 |
| Core capital (leverage) ratio | 11.5913% | 1,931 |
| Tier 1 risk-based capital ratio | 15.9781% | 3,096 |
| Total risk-based capital ratio | 16.9413% | 3,191 |
| Memoranda: | ||
| Average total assets | $541,199,330 | 1,244 |
| Average earning assets | $495,312,000 | 1,248 |
| Average equity | $61,699,330 | 1,182 |
| Average total loans | $323,426,330 | 1,344 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8021% | 4,483 |
| Cost of funding earning assets | 0.1131% | 6,518 |
| Net interest margin | 3.6890% | 2,909 |
| Noninterest income to average assets | 0.5237% | 3,236 |
| Noninterest expense to average assets | 2.7651% | 3,698 |
| Loan and lease loss provision to assets | 0.1116% | 2,083 |
| Net operating income to assets | 0.6792% | 3,786 |
| Return on assets (ROA) | 0.6792% | 3,867 |
| Pretax return on assets | 1.0199% | 3,254 |
| Return on Equity (ROE) | 5.9747% | 4,040 |
| Retained earnings to average equity (ytd only) | 5.2287% | 2,980 |
| Net charge-offs to loans | -0.0214% | 5,387 |
| Credit loss provision to net charge-offs | -882.3529% | 5,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9622% | 3,657 |
| Assets per employee ($millions) | 3.6806% | 4,562 |
| Cash dividends to net income (ytd only)* | 12.4863% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 5,085 |
| Loan loss allowance to noncurrent loans | 136.8502% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.0449% | 3,166 |
| Noncurrent loans to loans | 0.8097% | 3,853 |
| Net loans and leases to total assets | 59.0238% | 3,698 |
| Net loans and leases to deposits | 72.4951% | 3,271 |
| Net loans and leases to core deposits | 73.2950% | 3,730 |
| Total domestic deposits to total assets | 81.4177% | 5,117 |
| Equity capital to assets | 11.5132% | 2,237 |
| Core capital (leverage) ratio | 11.7054% | 1,827 |
| Tier 1 risk-based capital ratio | 16.2340% | 3,038 |
| Total risk-based capital ratio | 17.2155% | 3,135 |
| Memoranda: | ||
| Average total assets | $537,701,000 | 1,257 |
| Average earning assets | $491,623,500 | 1,265 |
| Average equity | $61,124,000 | 1,186 |
| Average total loans | $317,964,000 | 1,371 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0585% | 3,888 |
| Cost of funding earning assets | 0.1272% | 6,613 |
| Net interest margin | 3.9312% | 2,174 |
| Noninterest income to average assets | 0.7330% | 2,365 |
| Noninterest expense to average assets | 2.9226% | 3,304 |
| Loan and lease loss provision to assets | 0.0785% | 3,539 |
| Net operating income to assets | 0.8551% | 3,005 |
| Return on assets (ROA) | 0.8551% | 3,083 |
| Pretax return on assets | 1.3141% | 2,093 |
| Return on Equity (ROE) | 7.2262% | 3,443 |
| Retained earnings to average equity (ytd only) | 3.6620% | 3,616 |
| Net charge-offs to loans | 0.0802% | 4,097 |
| Credit loss provision to net charge-offs | 163.9344% | 1,390 |
| Earnings coverage of net charge-offs (x) | 29.0943% | 1,213 |
| Efficiency ratio | 67.7289% | 4,252 |
| Assets per employee ($millions) | 3.6852% | 4,515 |
| Cash dividends to net income (ytd only)* | 49.3232% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 5,260 |
| Loan loss allowance to noncurrent loans | 159.3133% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.9908% | 3,435 |
| Noncurrent loans to loans | 0.6745% | 4,288 |
| Net loans and leases to total assets | 57.9539% | 4,039 |
| Net loans and leases to deposits | 70.9782% | 3,657 |
| Net loans and leases to core deposits | 71.5926% | 4,119 |
| Total domestic deposits to total assets | 81.6503% | 4,989 |
| Equity capital to assets | 11.2223% | 2,407 |
| Core capital (leverage) ratio | 11.3163% | 2,103 |
| Tier 1 risk-based capital ratio | 16.1014% | 3,056 |
| Total risk-based capital ratio | 17.0541% | 3,152 |
| Memoranda: | ||
| Average total assets | $509,790,600 | 1,304 |
| Average earning assets | $464,511,000 | 1,311 |
| Average equity | $60,321,800 | 1,188 |
| Average total loans | $304,299,600 | 1,389 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 3,186 |
| Cost of funding earning assets | 0.1299% | 6,700 |
| Net interest margin | 4.1236% | 1,557 |
| Noninterest income to average assets | 0.7049% | 2,578 |
| Noninterest expense to average assets | 3.0006% | 2,993 |
| Loan and lease loss provision to assets | 0.0597% | 3,856 |
| Net operating income to assets | 0.9089% | 2,788 |
| Return on assets (ROA) | 0.9089% | 2,894 |
| Pretax return on assets | 1.3982% | 1,930 |
| Return on Equity (ROE) | 7.5766% | 3,330 |
| Retained earnings to average equity (ytd only) | 7.3245% | 1,723 |
| Net charge-offs to loans | 0.0619% | 4,017 |
| Credit loss provision to net charge-offs | 160.7143% | 1,468 |
| Earnings coverage of net charge-offs (x) | 39.2647% | 1,018 |
| Efficiency ratio | 67.3012% | 4,233 |
| Assets per employee ($millions) | 3.5609% | 4,734 |
| Cash dividends to net income (ytd only)* | 3.3266% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 5,368 |
| Loan loss allowance to noncurrent loans | 486.2170% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.7981% | 4,108 |
| Noncurrent loans to loans | 0.2241% | 5,675 |
| Net loans and leases to total assets | 57.9072% | 4,024 |
| Net loans and leases to deposits | 70.8272% | 3,663 |
| Net loans and leases to core deposits | 71.3616% | 4,169 |
| Total domestic deposits to total assets | 81.7584% | 5,008 |
| Equity capital to assets | 11.8446% | 2,017 |
| Core capital (leverage) ratio | 11.9934% | 1,675 |
| Tier 1 risk-based capital ratio | 16.9028% | 2,750 |
| Total risk-based capital ratio | 17.8607% | 2,852 |
| Memoranda: | ||
| Average total assets | $502,729,250 | 1,335 |
| Average earning assets | $457,614,250 | 1,335 |
| Average equity | $60,307,250 | 1,202 |
| Average total loans | $301,574,500 | 1,401 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3320% | 2,825 |
| Cost of funding earning assets | 0.1334% | 6,751 |
| Net interest margin | 4.1986% | 1,275 |
| Noninterest income to average assets | 0.7766% | 2,294 |
| Noninterest expense to average assets | 3.0949% | 2,672 |
| Loan and lease loss provision to assets | 0.0604% | 3,799 |
| Net operating income to assets | 0.9404% | 2,616 |
| Return on assets (ROA) | 0.9404% | 2,760 |
| Pretax return on assets | 1.4463% | 1,777 |
| Return on Equity (ROE) | 7.8052% | 3,186 |
| Retained earnings to average equity (ytd only) | 7.4244% | 1,702 |
| Net charge-offs to loans | -0.0313% | 6,113 |
| Credit loss provision to net charge-offs | -319.1489% | 5,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2584% | 4,317 |
| Assets per employee ($millions) | 3.4266% | 5,005 |
| Cash dividends to net income (ytd only)* | 4.8780% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 5,288 |
| Loan loss allowance to noncurrent loans | 361.9852% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.8821% | 4,034 |
| Noncurrent loans to loans | 0.3142% | 5,512 |
| Net loans and leases to total assets | 59.5599% | 3,738 |
| Net loans and leases to deposits | 73.6954% | 3,200 |
| Net loans and leases to core deposits | 74.2059% | 3,782 |
| Total domestic deposits to total assets | 80.8191% | 5,396 |
| Equity capital to assets | 12.1599% | 1,803 |
| Core capital (leverage) ratio | 12.2213% | 1,497 |
| Tier 1 risk-based capital ratio | 17.0283% | 2,702 |
| Total risk-based capital ratio | 18.0357% | 2,771 |
| Memoranda: | ||
| Average total assets | $497,009,000 | 1,345 |
| Average earning assets | $452,769,000 | 1,349 |
| Average equity | $59,883,330 | 1,217 |
| Average total loans | $300,642,670 | 1,400 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 1,928 |
| Cost of funding earning assets | 0.1377% | 6,826 |
| Net interest margin | 4.4293% | 765 |
| Noninterest income to average assets | 0.9157% | 1,712 |
| Noninterest expense to average assets | 3.1241% | 2,602 |
| Loan and lease loss provision to assets | 0.0606% | 3,631 |
| Net operating income to assets | 1.1288% | 1,749 |
| Return on assets (ROA) | 1.1288% | 1,867 |
| Pretax return on assets | 1.7579% | 956 |
| Return on Equity (ROE) | 9.4129% | 2,313 |
| Retained earnings to average equity (ytd only) | 8.6453% | 1,509 |
| Net charge-offs to loans | -0.0639% | 6,239 |
| Credit loss provision to net charge-offs | -156.2500% | 5,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2086% | 5,127 |
| Assets per employee ($millions) | 3.3574% | 5,317 |
| Cash dividends to net income (ytd only)* | 8.1545% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 5,479 |
| Loan loss allowance to noncurrent loans | 1,013.2931% | 468 |
| Noncurrent assets plus other real estate owned to assets | 1.1061% | 3,720 |
| Noncurrent loans to loans | 0.1116% | 6,146 |
| Net loans and leases to total assets | 59.8155% | 3,461 |
| Net loans and leases to deposits | 74.5056% | 2,853 |
| Net loans and leases to core deposits | 75.0354% | 3,462 |
| Total domestic deposits to total assets | 80.2832% | 5,692 |
| Equity capital to assets | 12.2512% | 1,865 |
| Core capital (leverage) ratio | 12.2948% | 1,424 |
| Tier 1 risk-based capital ratio | 16.8577% | 2,829 |
| Total risk-based capital ratio | 17.8497% | 2,913 |
| Memoranda: | ||
| Average total assets | $495,372,000 | 1,366 |
| Average earning assets | $450,363,500 | 1,370 |
| Average equity | $59,408,000 | 1,235 |
| Average total loans | $300,266,000 | 1,412 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5056% | 3,372 |
| Cost of funding earning assets | 0.1613% | 6,899 |
| Net interest margin | 4.3443% | 1,300 |
| Noninterest income to average assets | 0.6507% | 2,982 |
| Noninterest expense to average assets | 3.0860% | 2,970 |
| Loan and lease loss provision to assets | 0.1001% | 4,390 |
| Net operating income to assets | 0.9110% | 2,762 |
| Return on assets (ROA) | 0.9110% | 3,003 |
| Pretax return on assets | 1.4108% | 2,010 |
| Return on Equity (ROE) | 7.5177% | 3,331 |
| Retained earnings to average equity (ytd only) | 4.2737% | 3,219 |
| Net charge-offs to loans | 0.2457% | 3,468 |
| Credit loss provision to net charge-offs | 64.3631% | 4,335 |
| Earnings coverage of net charge-offs (x) | 9.7127% | 2,234 |
| Efficiency ratio | 67.1313% | 4,305 |
| Assets per employee ($millions) | 3.4285% | 5,152 |
| Cash dividends to net income (ytd only)* | 43.1513% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 5,705 |
| Loan loss allowance to noncurrent loans | 179.5000% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 1.2368% | 3,587 |
| Noncurrent loans to loans | 0.5922% | 5,050 |
| Net loans and leases to total assets | 60.0809% | 3,592 |
| Net loans and leases to deposits | 74.0015% | 3,086 |
| Net loans and leases to core deposits | 74.5105% | 3,720 |
| Total domestic deposits to total assets | 81.1888% | 5,346 |
| Equity capital to assets | 11.7394% | 2,236 |
| Core capital (leverage) ratio | 11.6687% | 1,753 |
| Tier 1 risk-based capital ratio | 16.3526% | 2,965 |
| Total risk-based capital ratio | 17.3017% | 3,087 |
| Memoranda: | ||
| Average total assets | $474,402,000 | 1,397 |
| Average earning assets | $430,930,600 | 1,399 |
| Average equity | $57,490,800 | 1,238 |
| Average total loans | $300,392,000 | 1,398 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5770% | 3,297 |
| Cost of funding earning assets | 0.1643% | 7,006 |
| Net interest margin | 4.4127% | 1,179 |
| Noninterest income to average assets | 0.6606% | 2,929 |
| Noninterest expense to average assets | 3.0738% | 2,963 |
| Loan and lease loss provision to assets | 0.0641% | 4,909 |
| Net operating income to assets | 0.9866% | 2,579 |
| Return on assets (ROA) | 0.9866% | 2,804 |
| Pretax return on assets | 1.5329% | 1,770 |
| Return on Equity (ROE) | 8.0736% | 3,254 |
| Retained earnings to average equity (ytd only) | 7.8614% | 1,678 |
| Net charge-offs to loans | -0.0267% | 6,557 |
| Credit loss provision to net charge-offs | -375.0000% | 6,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8084% | 4,480 |
| Assets per employee ($millions) | 3.4239% | 5,151 |
| Cash dividends to net income (ytd only)* | 2.6285% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 5,009 |
| Loan loss allowance to noncurrent loans | 88.4390% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.7340% | 3,006 |
| Noncurrent loans to loans | 1.4241% | 3,663 |
| Net loans and leases to total assets | 59.2667% | 3,917 |
| Net loans and leases to deposits | 72.5071% | 3,533 |
| Net loans and leases to core deposits | 73.0650% | 4,111 |
| Total domestic deposits to total assets | 81.7392% | 5,107 |
| Equity capital to assets | 11.8315% | 2,409 |
| Core capital (leverage) ratio | 12.2477% | 1,515 |
| Tier 1 risk-based capital ratio | 16.8734% | 2,794 |
| Total risk-based capital ratio | 18.0006% | 2,833 |
| Memoranda: | ||
| Average total assets | $467,861,750 | 1,430 |
| Average earning assets | $425,190,750 | 1,435 |
| Average equity | $57,172,750 | 1,252 |
| Average total loans | $299,496,500 | 1,412 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6066% | 3,331 |
| Cost of funding earning assets | 0.1665% | 7,084 |
| Net interest margin | 4.4400% | 1,108 |
| Noninterest income to average assets | 0.6348% | 3,038 |
| Noninterest expense to average assets | 3.1541% | 2,739 |
| Loan and lease loss provision to assets | 0.0656% | 4,818 |
| Net operating income to assets | 0.9370% | 2,729 |
| Return on assets (ROA) | 0.9370% | 2,990 |
| Pretax return on assets | 1.4502% | 2,008 |
| Return on Equity (ROE) | 7.5802% | 3,463 |
| Retained earnings to average equity (ytd only) | 7.2582% | 1,978 |
| Net charge-offs to loans | -0.0060% | 6,198 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5410% | 4,225 |
| Assets per employee ($millions) | 3.1983% | 5,647 |
| Cash dividends to net income (ytd only)* | 4.2484% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 5,337 |
| Loan loss allowance to noncurrent loans | 75.5689% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.9166% | 2,888 |
| Noncurrent loans to loans | 1.5922% | 3,521 |
| Net loans and leases to total assets | 63.7993% | 3,082 |
| Net loans and leases to deposits | 78.6564% | 2,573 |
| Net loans and leases to core deposits | 79.3042% | 3,321 |
| Total domestic deposits to total assets | 81.1114% | 5,431 |
| Equity capital to assets | 12.2923% | 1,939 |
| Core capital (leverage) ratio | 12.4759% | 1,365 |
| Tier 1 risk-based capital ratio | 16.5056% | 2,913 |
| Total risk-based capital ratio | 17.5974% | 2,957 |
| Memoranda: | ||
| Average total assets | $457,183,670 | 1,454 |
| Average earning assets | $415,493,670 | 1,465 |
| Average equity | $56,515,330 | 1,256 |
| Average total loans | $299,311,670 | 1,421 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5954% | 3,527 |
| Cost of funding earning assets | 0.1714% | 7,147 |
| Net interest margin | 4.4240% | 1,176 |
| Noninterest income to average assets | 0.5937% | 3,271 |
| Noninterest expense to average assets | 3.2270% | 2,514 |
| Loan and lease loss provision to assets | 0.0666% | 4,580 |
| Net operating income to assets | 0.8662% | 3,069 |
| Return on assets (ROA) | 0.8662% | 3,299 |
| Pretax return on assets | 1.3313% | 2,424 |
| Return on Equity (ROE) | 6.9868% | 3,790 |
| Retained earnings to average equity (ytd only) | 6.3354% | 2,777 |
| Net charge-offs to loans | 0.0067% | 4,648 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 315.0000% | 102 |
| Efficiency ratio | 69.7755% | 3,856 |
| Assets per employee ($millions) | 3.0833% | 5,995 |
| Cash dividends to net income (ytd only)* | 9.3238% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 5,540 |
| Loan loss allowance to noncurrent loans | 61.4483% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 2.0078% | 2,887 |
| Noncurrent loans to loans | 1.9358% | 3,242 |
| Net loans and leases to total assets | 65.3206% | 2,592 |
| Net loans and leases to deposits | 81.3418% | 2,014 |
| Net loans and leases to core deposits | 82.1580% | 2,807 |
| Total domestic deposits to total assets | 80.3039% | 5,778 |
| Equity capital to assets | 12.4939% | 1,726 |
| Core capital (leverage) ratio | 12.6287% | 1,274 |
| Tier 1 risk-based capital ratio | 16.4577% | 2,926 |
| Total risk-based capital ratio | 17.5428% | 2,982 |
| Memoranda: | ||
| Average total assets | $450,697,000 | 1,481 |
| Average earning assets | $410,671,500 | 1,481 |
| Average equity | $55,876,500 | 1,272 |
| Average total loans | $297,162,500 | 1,430 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1538% | 2,239 |
| Cost of funding earning assets | 0.2226% | 7,210 |
| Net interest margin | 4.9312% | 475 |
| Noninterest income to average assets | 0.7013% | 2,595 |
| Noninterest expense to average assets | 3.2458% | 2,702 |
| Loan and lease loss provision to assets | 0.2419% | 3,788 |
| Net operating income to assets | 1.0966% | 1,847 |
| Return on assets (ROA) | 1.0978% | 1,959 |
| Pretax return on assets | 1.6913% | 1,001 |
| Return on Equity (ROE) | 8.7199% | 2,582 |
| Retained earnings to average equity (ytd only) | 5.3417% | 2,422 |
| Net charge-offs to loans | 0.4064% | 3,391 |
| Credit loss provision to net charge-offs | 84.4051% | 4,266 |
| Earnings coverage of net charge-offs (x) | 6.7387% | 2,461 |
| Efficiency ratio | 62.6941% | 5,353 |
| Assets per employee ($millions) | 3.0907% | 5,913 |
| Cash dividends to net income (ytd only)* | 38.7408% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 5,464 |
| Loan loss allowance to noncurrent loans | 58.7750% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 2.0625% | 2,889 |
| Noncurrent loans to loans | 2.0166% | 3,182 |
| Net loans and leases to total assets | 64.9796% | 2,991 |
| Net loans and leases to deposits | 81.6952% | 2,245 |
| Net loans and leases to core deposits | 82.6723% | 3,078 |
| Total domestic deposits to total assets | 79.5390% | 5,861 |
| Equity capital to assets | 12.3006% | 1,911 |
| Core capital (leverage) ratio | 12.2084% | 1,490 |
| Tier 1 risk-based capital ratio | 16.4718% | 2,833 |
| Total risk-based capital ratio | 17.5669% | 2,868 |
| Memoranda: | ||
| Average total assets | $434,042,200 | 1,503 |
| Average earning assets | $393,962,200 | 1,512 |
| Average equity | $54,645,200 | 1,240 |
| Average total loans | $306,081,800 | 1,388 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2570% | 2,001 |
| Cost of funding earning assets | 0.2348% | 7,290 |
| Net interest margin | 5.0222% | 395 |
| Noninterest income to average assets | 0.6872% | 2,684 |
| Noninterest expense to average assets | 3.3051% | 2,480 |
| Loan and lease loss provision to assets | 0.2555% | 3,463 |
| Net operating income to assets | 1.0749% | 2,060 |
| Return on assets (ROA) | 1.0765% | 2,200 |
| Pretax return on assets | 1.6863% | 1,171 |
| Return on Equity (ROE) | 8.4999% | 2,818 |
| Retained earnings to average equity (ytd only) | 8.2578% | 1,406 |
| Net charge-offs to loans | 0.0781% | 5,187 |
| Credit loss provision to net charge-offs | 455.8011% | 609 |
| Earnings coverage of net charge-offs (x) | 34.5963% | 845 |
| Efficiency ratio | 63.0211% | 5,236 |
| Assets per employee ($millions) | 3.0881% | 5,926 |
| Cash dividends to net income (ytd only)* | 2.8482% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 4,477 |
| Loan loss allowance to noncurrent loans | 58.9252% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 2.3500% | 2,730 |
| Noncurrent loans to loans | 2.4052% | 2,880 |
| Net loans and leases to total assets | 66.8197% | 2,710 |
| Net loans and leases to deposits | 83.7521% | 2,040 |
| Net loans and leases to core deposits | 84.8019% | 2,941 |
| Total domestic deposits to total assets | 79.7828% | 5,803 |
| Equity capital to assets | 12.4015% | 1,971 |
| Core capital (leverage) ratio | 12.5630% | 1,411 |
| Tier 1 risk-based capital ratio | 16.2907% | 2,973 |
| Total risk-based capital ratio | 17.5416% | 2,936 |
| Memoranda: | ||
| Average total assets | $430,513,750 | 1,527 |
| Average earning assets | $390,659,500 | 1,531 |
| Average equity | $54,525,000 | 1,246 |
| Average total loans | $308,926,500 | 1,386 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3662% | 1,670 |
| Cost of funding earning assets | 0.2448% | 7,367 |
| Net interest margin | 5.1213% | 320 |
| Noninterest income to average assets | 0.6381% | 2,904 |
| Noninterest expense to average assets | 3.4427% | 2,142 |
| Loan and lease loss provision to assets | 0.2832% | 3,115 |
| Net operating income to assets | 0.9968% | 2,243 |
| Return on assets (ROA) | 0.9992% | 2,335 |
| Pretax return on assets | 1.5562% | 1,363 |
| Return on Equity (ROE) | 7.8317% | 3,026 |
| Retained earnings to average equity (ytd only) | 7.4655% | 1,673 |
| Net charge-offs to loans | 0.0497% | 5,158 |
| Credit loss provision to net charge-offs | 779.2208% | 425 |
| Earnings coverage of net charge-offs (x) | 50.5065% | 619 |
| Efficiency ratio | 65.2240% | 5,020 |
| Assets per employee ($millions) | 2.9151% | 6,269 |
| Cash dividends to net income (ytd only)* | 4.6764% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 4,782 |
| Loan loss allowance to noncurrent loans | 48.2636% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 2.8122% | 2,385 |
| Noncurrent loans to loans | 2.8150% | 2,582 |
| Net loans and leases to total assets | 71.3461% | 1,919 |
| Net loans and leases to deposits | 89.7893% | 1,301 |
| Net loans and leases to core deposits | 91.0579% | 2,246 |
| Total domestic deposits to total assets | 79.4595% | 5,962 |
| Equity capital to assets | 12.9066% | 1,565 |
| Core capital (leverage) ratio | 13.0194% | 1,156 |
| Tier 1 risk-based capital ratio | 15.8284% | 3,064 |
| Total risk-based capital ratio | 17.0784% | 3,041 |
| Memoranda: | ||
| Average total assets | $423,732,330 | 1,562 |
| Average earning assets | $383,925,000 | 1,564 |
| Average equity | $54,062,330 | 1,243 |
| Average total loans | $310,037,670 | 1,393 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4224% | 1,493 |
| Cost of funding earning assets | 0.2489% | 7,439 |
| Net interest margin | 5.1736% | 263 |
| Noninterest income to average assets | 0.6009% | 3,159 |
| Noninterest expense to average assets | 3.6417% | 1,672 |
| Loan and lease loss provision to assets | 0.2848% | 2,869 |
| Net operating income to assets | 0.8751% | 2,683 |
| Return on assets (ROA) | 0.8801% | 2,726 |
| Pretax return on assets | 1.3595% | 1,852 |
| Return on Equity (ROE) | 6.9387% | 3,411 |
| Retained earnings to average equity (ytd only) | 6.1977% | 2,526 |
| Net charge-offs to loans | -0.0516% | 6,896 |
| Credit loss provision to net charge-offs | -750.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9928% | 4,477 |
| Assets per employee ($millions) | 2.9213% | 6,305 |
| Cash dividends to net income (ytd only)* | 10.6796% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 5,159 |
| Loan loss allowance to noncurrent loans | 44.2917% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 2.9316% | 2,359 |
| Noncurrent loans to loans | 2.9226% | 2,570 |
| Net loans and leases to total assets | 72.4924% | 1,613 |
| Net loans and leases to deposits | 90.7340% | 1,150 |
| Net loans and leases to core deposits | 91.8736% | 2,145 |
| Total domestic deposits to total assets | 79.8956% | 5,972 |
| Equity capital to assets | 12.7659% | 1,489 |
| Core capital (leverage) ratio | 12.9907% | 1,121 |
| Tier 1 risk-based capital ratio | 15.4360% | 3,185 |
| Total risk-based capital ratio | 16.6344% | 3,178 |
| Memoranda: | ||
| Average total assets | $421,336,000 | 1,582 |
| Average earning assets | $380,935,500 | 1,589 |
| Average equity | $53,439,500 | 1,252 |
| Average total loans | $310,083,000 | 1,408 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5930% | 1,922 |
| Cost of funding earning assets | 0.3056% | 7,501 |
| Net interest margin | 5.2874% | 246 |
| Noninterest income to average assets | 0.5939% | 3,515 |
| Noninterest expense to average assets | 3.3487% | 2,587 |
| Loan and lease loss provision to assets | 0.4858% | 3,233 |
| Net operating income to assets | 0.9872% | 2,080 |
| Return on assets (ROA) | 0.9872% | 2,190 |
| Pretax return on assets | 1.5204% | 1,325 |
| Return on Equity (ROE) | 7.7881% | 2,785 |
| Retained earnings to average equity (ytd only) | 4.5245% | 2,704 |
| Net charge-offs to loans | 0.7189% | 2,859 |
| Credit loss provision to net charge-offs | 89.1663% | 5,162 |
| Earnings coverage of net charge-offs (x) | 3.6821% | 3,238 |
| Efficiency ratio | 62.5357% | 5,622 |
| Assets per employee ($millions) | 2.8509% | 6,436 |
| Cash dividends to net income (ytd only)* | 41.9045% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 5,553 |
| Loan loss allowance to noncurrent loans | 31.0537% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 3.7825% | 1,809 |
| Noncurrent loans to loans | 3.8415% | 1,916 |
| Net loans and leases to total assets | 72.8691% | 1,908 |
| Net loans and leases to deposits | 90.8772% | 1,413 |
| Net loans and leases to core deposits | 91.9285% | 2,508 |
| Total domestic deposits to total assets | 80.1841% | 5,780 |
| Equity capital to assets | 12.5999% | 1,578 |
| Core capital (leverage) ratio | 12.5543% | 1,293 |
| Tier 1 risk-based capital ratio | 14.9126% | 3,299 |
| Total risk-based capital ratio | 16.0020% | 3,351 |
| Memoranda: | ||
| Average total assets | $411,678,000 | 1,604 |
| Average earning assets | $370,695,200 | 1,625 |
| Average equity | $52,182,200 | 1,281 |
| Average total loans | $311,989,200 | 1,439 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6609% | 1,847 |
| Cost of funding earning assets | 0.3145% | 7,629 |
| Net interest margin | 5.3464% | 221 |
| Noninterest income to average assets | 0.6028% | 3,420 |
| Noninterest expense to average assets | 3.3155% | 2,526 |
| Loan and lease loss provision to assets | 0.5531% | 2,734 |
| Net operating income to assets | 1.0033% | 2,224 |
| Return on assets (ROA) | 1.0033% | 2,341 |
| Pretax return on assets | 1.5457% | 1,483 |
| Return on Equity (ROE) | 7.9034% | 2,952 |
| Retained earnings to average equity (ytd only) | 7.7061% | 1,512 |
| Net charge-offs to loans | 0.4681% | 3,410 |
| Credit loss provision to net charge-offs | 154.8270% | 2,478 |
| Earnings coverage of net charge-offs (x) | 5.8752% | 2,656 |
| Efficiency ratio | 61.2366% | 5,745 |
| Assets per employee ($millions) | 2.8360% | 6,520 |
| Cash dividends to net income (ytd only)* | 2.4967% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4530% | 4,194 |
| Loan loss allowance to noncurrent loans | 28.1911% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 4.3048% | 1,581 |
| Noncurrent loans to loans | 5.1540% | 1,327 |
| Net loans and leases to total assets | 73.7324% | 1,852 |
| Net loans and leases to deposits | 93.1901% | 1,307 |
| Net loans and leases to core deposits | 94.2155% | 2,497 |
| Total domestic deposits to total assets | 79.1204% | 5,994 |
| Equity capital to assets | 12.8716% | 1,646 |
| Core capital (leverage) ratio | 12.7575% | 1,315 |
| Tier 1 risk-based capital ratio | 15.2123% | 3,147 |
| Total risk-based capital ratio | 16.4634% | 3,116 |
| Memoranda: | ||
| Average total assets | $409,826,750 | 1,640 |
| Average earning assets | $368,810,250 | 1,659 |
| Average equity | $52,026,750 | 1,288 |
| Average total loans | $312,719,250 | 1,451 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6912% | 1,799 |
| Cost of funding earning assets | 0.3185% | 7,707 |
| Net interest margin | 5.3727% | 212 |
| Noninterest income to average assets | 0.6106% | 3,253 |
| Noninterest expense to average assets | 3.3568% | 2,383 |
| Loan and lease loss provision to assets | 0.4172% | 3,234 |
| Net operating income to assets | 1.0764% | 1,929 |
| Return on assets (ROA) | 1.0764% | 2,006 |
| Pretax return on assets | 1.6634% | 1,132 |
| Return on Equity (ROE) | 8.5194% | 2,657 |
| Retained earnings to average equity (ytd only) | 8.2203% | 1,366 |
| Net charge-offs to loans | 0.7055% | 2,454 |
| Credit loss provision to net charge-offs | 76.9928% | 4,788 |
| Earnings coverage of net charge-offs (x) | 3.8397% | 3,158 |
| Efficiency ratio | 61.7350% | 5,732 |
| Assets per employee ($millions) | 2.7824% | 6,610 |
| Cash dividends to net income (ytd only)* | 3.5112% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 5,619 |
| Loan loss allowance to noncurrent loans | 32.3680% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 3.2128% | 2,203 |
| Noncurrent loans to loans | 3.6069% | 2,185 |
| Net loans and leases to total assets | 75.5911% | 1,571 |
| Net loans and leases to deposits | 94.2162% | 1,247 |
| Net loans and leases to core deposits | 95.2483% | 2,547 |
| Total domestic deposits to total assets | 80.2315% | 5,659 |
| Equity capital to assets | 12.8128% | 1,649 |
| Core capital (leverage) ratio | 12.8699% | 1,251 |
| Tier 1 risk-based capital ratio | 14.8595% | 3,233 |
| Total risk-based capital ratio | 15.9441% | 3,303 |
| Memoranda: | ||
| Average total assets | $407,473,670 | 1,665 |
| Average earning assets | $366,074,330 | 1,681 |
| Average equity | $51,482,330 | 1,294 |
| Average total loans | $312,988,330 | 1,467 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6567% | 1,931 |
| Cost of funding earning assets | 0.3199% | 7,813 |
| Net interest margin | 5.3368% | 229 |
| Noninterest income to average assets | 0.5793% | 3,422 |
| Noninterest expense to average assets | 3.5005% | 1,982 |
| Loan and lease loss provision to assets | 0.5921% | 2,141 |
| Net operating income to assets | 0.8438% | 2,778 |
| Return on assets (ROA) | 0.8438% | 2,870 |
| Pretax return on assets | 1.2770% | 2,113 |
| Return on Equity (ROE) | 6.7267% | 3,494 |
| Retained earnings to average equity (ytd only) | 6.1209% | 2,564 |
| Net charge-offs to loans | 0.0564% | 4,845 |
| Credit loss provision to net charge-offs | 1,363.6364% | 362 |
| Earnings coverage of net charge-offs (x) | 43.0455% | 642 |
| Efficiency ratio | 65.1902% | 5,276 |
| Assets per employee ($millions) | 2.7323% | 6,798 |
| Cash dividends to net income (ytd only)* | 9.0058% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 4,220 |
| Loan loss allowance to noncurrent loans | 39.9466% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 3.2178% | 2,229 |
| Noncurrent loans to loans | 3.5991% | 2,213 |
| Net loans and leases to total assets | 75.5410% | 1,635 |
| Net loans and leases to deposits | 94.8523% | 1,250 |
| Net loans and leases to core deposits | 96.2117% | 2,559 |
| Total domestic deposits to total assets | 79.6406% | 5,903 |
| Equity capital to assets | 12.6273% | 1,694 |
| Core capital (leverage) ratio | 12.8775% | 1,258 |
| Tier 1 risk-based capital ratio | 15.0820% | 3,073 |
| Total risk-based capital ratio | 16.3336% | 3,030 |
| Memoranda: | ||
| Average total assets | $405,314,500 | 1,712 |
| Average earning assets | $363,816,500 | 1,727 |
| Average equity | $50,842,500 | 1,313 |
| Average total loans | $312,005,000 | 1,510 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7505% | 2,863 |
| Cost of funding earning assets | 0.5439% | 7,807 |
| Net interest margin | 5.2066% | 287 |
| Noninterest income to average assets | 0.5967% | 3,654 |
| Noninterest expense to average assets | 3.3119% | 2,975 |
| Loan and lease loss provision to assets | 0.6736% | 3,123 |
| Net operating income to assets | 0.9113% | 2,141 |
| Return on assets (ROA) | 0.9113% | 2,203 |
| Pretax return on assets | 1.3798% | 1,481 |
| Return on Equity (ROE) | 7.4368% | 2,603 |
| Retained earnings to average equity (ytd only) | 4.2830% | 2,229 |
| Net charge-offs to loans | 0.5887% | 3,452 |
| Credit loss provision to net charge-offs | 152.8926% | 2,997 |
| Earnings coverage of net charge-offs (x) | 4.6606% | 2,862 |
| Efficiency ratio | 61.7274% | 6,200 |
| Assets per employee ($millions) | 2.7829% | 6,685 |
| Cash dividends to net income (ytd only)* | 42.4081% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 4,990 |
| Loan loss allowance to noncurrent loans | 45.5124% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 2.5875% | 2,710 |
| Noncurrent loans to loans | 2.7677% | 2,790 |
| Net loans and leases to total assets | 76.3431% | 1,721 |
| Net loans and leases to deposits | 96.3217% | 1,296 |
| Net loans and leases to core deposits | 102.3557% | 3,764 |
| Total domestic deposits to total assets | 79.2585% | 5,918 |
| Equity capital to assets | 12.4599% | 1,766 |
| Core capital (leverage) ratio | 12.3658% | 1,507 |
| Tier 1 risk-based capital ratio | 14.3342% | 3,298 |
| Total risk-based capital ratio | 15.5047% | 3,297 |
| Memoranda: | ||
| Average total assets | $411,937,800 | 1,674 |
| Average earning assets | $377,291,800 | 1,669 |
| Average equity | $50,479,000 | 1,326 |
| Average total loans | $308,290,600 | 1,549 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7845% | 2,956 |
| Cost of funding earning assets | 0.5989% | 7,889 |
| Net interest margin | 5.1856% | 309 |
| Noninterest income to average assets | 0.5977% | 3,731 |
| Noninterest expense to average assets | 3.2737% | 3,015 |
| Loan and lease loss provision to assets | 0.2174% | 5,241 |
| Net operating income to assets | 1.2040% | 1,458 |
| Return on assets (ROA) | 1.2040% | 1,513 |
| Pretax return on assets | 1.8829% | 684 |
| Return on Equity (ROE) | 9.8660% | 1,968 |
| Retained earnings to average equity (ytd only) | 9.6628% | 696 |
| Net charge-offs to loans | 0.0711% | 5,978 |
| Credit loss provision to net charge-offs | 411.5854% | 967 |
| Earnings coverage of net charge-offs (x) | 39.7685% | 753 |
| Efficiency ratio | 60.9180% | 6,292 |
| Assets per employee ($millions) | 2.8358% | 6,568 |
| Cash dividends to net income (ytd only)* | 2.0593% | 3,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1296% | 5,540 |
| Loan loss allowance to noncurrent loans | 34.5098% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 2.4701% | 2,787 |
| Noncurrent loans to loans | 3.2732% | 2,313 |
| Net loans and leases to total assets | 74.6117% | 2,336 |
| Net loans and leases to deposits | 94.4775% | 1,790 |
| Net loans and leases to core deposits | 100.7513% | 4,285 |
| Total domestic deposits to total assets | 78.9731% | 5,814 |
| Equity capital to assets | 12.8695% | 1,748 |
| Core capital (leverage) ratio | 12.7882% | 1,450 |
| Tier 1 risk-based capital ratio | 15.2195% | 2,939 |
| Total risk-based capital ratio | 16.2789% | 2,967 |
| Memoranda: | ||
| Average total assets | $414,042,500 | 1,683 |
| Average earning assets | $381,352,000 | 1,666 |
| Average equity | $50,529,250 | 1,346 |
| Average total loans | $307,366,000 | 1,578 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7914% | 3,090 |
| Cost of funding earning assets | 0.6650% | 7,945 |
| Net interest margin | 5.1264% | 342 |
| Noninterest income to average assets | 0.5938% | 3,745 |
| Noninterest expense to average assets | 3.2890% | 3,004 |
| Loan and lease loss provision to assets | 0.2284% | 4,753 |
| Net operating income to assets | 1.1848% | 1,517 |
| Return on assets (ROA) | 1.1848% | 1,603 |
| Pretax return on assets | 1.8286% | 806 |
| Return on Equity (ROE) | 9.8848% | 2,059 |
| Retained earnings to average equity (ytd only) | 9.5759% | 800 |
| Net charge-offs to loans | 0.0020% | 6,601 |
| Credit loss provision to net charge-offs | 15,833.3333% | 26 |
| Earnings coverage of net charge-offs (x) | 1,426.0000% | 17 |
| Efficiency ratio | 61.5219% | 6,311 |
| Assets per employee ($millions) | 2.9134% | 6,348 |
| Cash dividends to net income (ytd only)* | 3.1250% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 5,381 |
| Loan loss allowance to noncurrent loans | 74.2290% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.1451% | 4,655 |
| Noncurrent loans to loans | 1.5240% | 4,209 |
| Net loans and leases to total assets | 74.2845% | 2,627 |
| Net loans and leases to deposits | 93.4386% | 2,184 |
| Net loans and leases to core deposits | 100.2773% | 4,483 |
| Total domestic deposits to total assets | 79.5008% | 5,650 |
| Equity capital to assets | 12.6576% | 1,851 |
| Core capital (leverage) ratio | 12.6169% | 1,572 |
| Tier 1 risk-based capital ratio | 14.8671% | 3,078 |
| Total risk-based capital ratio | 15.9173% | 3,103 |
| Memoranda: | ||
| Average total assets | $415,936,000 | 1,698 |
| Average earning assets | $385,572,330 | 1,679 |
| Average equity | $49,854,330 | 1,381 |
| Average total loans | $307,099,000 | 1,611 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6910% | 3,851 |
| Cost of funding earning assets | 0.7352% | 7,974 |
| Net interest margin | 4.9558% | 450 |
| Noninterest income to average assets | 0.5486% | 3,930 |
| Noninterest expense to average assets | 3.1066% | 3,349 |
| Loan and lease loss provision to assets | 0.1661% | 4,803 |
| Net operating income to assets | 1.2187% | 1,606 |
| Return on assets (ROA) | 1.2187% | 1,709 |
| Pretax return on assets | 1.8822% | 835 |
| Return on Equity (ROE) | 10.4491% | 2,149 |
| Retained earnings to average equity (ytd only) | 10.4491% | 1,085 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2651% | 6,362 |
| Assets per employee ($millions) | 3.3825% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 5,952 |
| Loan loss allowance to noncurrent loans | 65.0196% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.0438% | 4,603 |
| Noncurrent loans to loans | 1.5819% | 3,903 |
| Net loans and leases to total assets | 65.3039% | 4,747 |
| Net loans and leases to deposits | 79.5865% | 4,680 |
| Net loans and leases to core deposits | 91.2099% | 5,443 |
| Total domestic deposits to total assets | 82.0540% | 4,528 |
| Equity capital to assets | 10.8325% | 3,140 |
| Core capital (leverage) ratio | 12.1772% | 1,827 |
| Tier 1 risk-based capital ratio | 14.5058% | 3,309 |
| Total risk-based capital ratio | 15.4671% | 3,396 |
| Memoranda: | ||
| Average total assets | $421,425,000 | 1,693 |
| Average earning assets | $391,705,500 | 1,673 |
| Average equity | $49,152,500 | 1,404 |
| Average total loans | $308,517,000 | 1,620 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9440% | 1,273 |
| Cost of funding earning assets | 0.9874% | 8,059 |
| Net interest margin | 5.9566% | 114 |
| Noninterest income to average assets | 0.7966% | 2,537 |
| Noninterest expense to average assets | 3.3627% | 2,786 |
| Loan and lease loss provision to assets | 0.7613% | 1,963 |
| Net operating income to assets | 1.3528% | 1,339 |
| Return on assets (ROA) | 1.3528% | 1,297 |
| Pretax return on assets | 2.0808% | 508 |
| Return on Equity (ROE) | 10.2837% | 2,164 |
| Retained earnings to average equity (ytd only) | -0.9969% | 5,594 |
| Net charge-offs to loans | 0.8891% | 1,392 |
| Credit loss provision to net charge-offs | 105.5201% | 5,078 |
| Earnings coverage of net charge-offs (x) | 3.9392% | 4,173 |
| Efficiency ratio | 54.1941% | 7,249 |
| Assets per employee ($millions) | 2.7104% | 6,762 |
| Cash dividends to net income (ytd only)* | 109.6936% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 6,379 |
| Loan loss allowance to noncurrent loans | 107.0270% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.7313% | 5,034 |
| Noncurrent loans to loans | 0.8915% | 4,838 |
| Net loans and leases to total assets | 81.2494% | 1,374 |
| Net loans and leases to deposits | 105.2621% | 1,192 |
| Net loans and leases to core deposits | 113.8424% | 3,358 |
| Total domestic deposits to total assets | 77.1877% | 5,943 |
| Equity capital to assets | 12.6781% | 1,932 |
| Core capital (leverage) ratio | 12.8231% | 1,607 |
| Tier 1 risk-based capital ratio | 13.6550% | 3,720 |
| Total risk-based capital ratio | 14.5512% | 3,841 |
| Memoranda: | ||
| Average total assets | $369,083,800 | 1,821 |
| Average earning assets | $335,108,800 | 1,834 |
| Average equity | $48,552,600 | 1,415 |
| Average total loans | $299,528,600 | 1,611 |